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About Us

About Us

American Income Life’s Special Risk Division is a provider of group activity insurance and is a division of American Income Life. We specialize in blanket accident and illness insurance, designed to cover typical accidents and illnesses that may occur during youth programs. Since 1952, many summer and year-round programs sponsored by 4-H, camps, colleges, tour companies, and other youth-serving organizations have relied on our service. We have policyholders in 49 states as well as the District of Columbia, and are America’s leading insurer of 4-H programs. American Income Life’s Special Risk Division remains committed to putting our experience to work for you as you serve the youth in your community.

American Income Life Insurance Company

American Income Life, the parent Company of AIL’s Special Risk Division, provides supplemental life insurance to labor unions, credit unions, and associations. AIL strives to become the premier in-home life insurance sales Company by building long-term relationships and helping provide insurance coverage for life’s most difficult times.

With just $25,000 of borrowed capital, Bernard Rapoport founded American Income Life more than 50 years ago. Today, American Income Life has become an international provider of supplemental life insurance to labor unions, credit unions, and associations. AIL provides insurance coverage to more than 2.7 million policyholders (as of 12/16).

American Income Life has earned the A+(Superior) Financial Strength Rating from A.M. Best Company (as of 7/17). AIL is licensed in 49 states, the District of Columbia, Canada, and is registered to carry on business in New Zealand. AIL also has a wholly-owned subsidiary: National Income Life Insurance Company, licensed in the state of New York. American Income Life’s executive offices are located in Waco, Texas. AIL is a wholly owned subsidiary of Torchmark Corporation (NYSE: TMK), based in McKinney, Texas.