About Globe Life American Income Division (AIL)

AIL-NILICO paid more than $280,512,129 in life insurance claims in 2023

Source: Per AIL's Internal Business Records

Globe Life American Income Division (AIL) is one of the largest providers of supplemental insurance coverage to labor unions, credit unions, and associations. American Income Division is licensed in 49 states, the District of Columbia, Canada, and is registered to carry on business in New Zealand.

AIL’s wholly-owned subsidiary, Globe Life National Income Division (NIL), is licensed in the state of New York. Globe Life American Income/National Income Division has earned the A (Excellent) Financial Strength Rating from A.M. Best Company as of (10/24).

Our Parent Company

American Income Division is a wholly-owned subsidiary of Globe Life Inc Globe Life Inc. (NYSE: GL), an S&P 500 Company.

History of AIL

American Income Division was founded in 1954 by Bernard Rapoport. Using just $25,000 in borrowed capital, Rapoport started the Company and turned AIL into a profitable insurance company with a unique, untapped niche in the insurance marketplace. His vision for providing affordable insurance to hardworking individuals gives anyone with the drive to succeed the opportunity to earn an unlimited income. Globe Life American Income/National Income Division has combined assets of almost $9 billion with more than $88 billion of life insurance in force in 2023 (as of 12/23).

Interested in learning more? Browse through the entire American Income Division historical timeline to see how the company has grown over the last several decades.

* Source: AIL's Internal Business Records

What sets AIL apart from other insurance companies?

Besides our humble beginning, rapid growth and expansion, superior industry ratings, and outstanding compensation package … we make a difference in people's lives. Our life insurance protects the lives of hardworking people internationally. American Income Division stands behind its products and the policyholders we serve. How? By walking the walk.

AIL is a financially strong Company backed by a solid parent company. American Income Division offers strike and layoff premium waivers. During an authorized strike, AIL proudly waives insurance premiums for up to one year. AIL also has a unique lay-off benefit that waives premiums for up to three months on a qualified lay-off. Neither waiver requires payback. AIL also offers several no-cost products, such as Child Safe Kit^®.