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Welcome to the American Income Life Special Risk Division blog. Here you can read camp safety tips, health insurance news, 4-H updates, and what's going on with the Special Risk Division. We want to keep you informed! To stay updated, subscribe to this blog! AIL's Special Risk Division remains exclusively involved with a single niche market. We've chosen to specialize in group activity accident and illness insurance because that's what we do best.

Win $50 By Completing a Short Client Survey

Many 4-H and Extension Professionals have been using our services for years but may not be taking full advantage of the policies and benefits we provide! In the future, we hope to provide helpful information for both new and seasoned Agents that will ensure that you can have peace of mind for all of your groups and programs alike.

To jump start these efforts, we want to hear from YOU about how we can provide information effectively and efficiently. We have a few ideas that have been floating around the office, but also recognize that there are so many resources that Extension Professionals around the Country use with varying levels of preference and success. We hope that getting your feedback to help tailor what we are producing will ensure that our clients know they are the main focus of our work.

We have created a short survey which should take approximately 5-10 minutes of your time to complete. Responses are voluntary and will only be shared with our marketing team. If you complete the survey and provide your name and e-mail address, you will be entered into a drawing to win a $50 Amazon gift card. Five winners will be randomly chosen and notified via e-mail by 5/1/16. We sincerely appreciate you taking time out of your busy schedules to provide this valuable feedback!

CLICK HERE to complete the survey and be entered to win!


I Love the Smell of the Barn in the Morning!

Ok, maybe that’s a slight exaggeration. I grew up on a farm but my 4-H experience as a youth didn’t include showing, so it is true that shows and fairs became a fun and fascinating part of my job as an Agent; a sentiment that I believe is shared by many colleagues around the Country. Although many 4-H programs have changed and adapted to also include modern technology and many other new ideas over the years, I think that the connection to the agricultural roots of the organization are so important and I’m always thrilled to see new kids “Learn By Doing” through these projects and events.

Despite my fondness for shows and fairs, when I put on my risk management hat, I recognize that choosing to use our Special Activities Coverage for these events is a great idea. Some examples of claims we’ve seen recently:

  • A heifer got loose and trapped a child’s hand between his own heifer and the grooming chute where they were working. This resulted in a broken hand and required further orthopedic treatment.
  • A goat stepped on an exhibitor’s foot while they were exiting the show ring. The youth lost their footing and dislocated their knee.
  • A steer became agitated and charged a youth participating in a livestock judging practice. The youth’s injuries included a fractured clavicle, a concussion, and stiches inside the mouth.
  • A horse who was receiving medication reared up and struck the youth in the head with a hoof resulting in bleeding and swelling. The youth was transported to the hospital and required a CAT scan.
  • A sheep being loaded into a trailer kicked a volunteer resulting in a severe contusion to the abdomen.

Horse and livestock events are an important tradition in 4-H programs and teach our youth so many important skills beyond the knowledge of the animals they work with. Youth who work with livestock learn about communication, responsibility, respect, caring, and so much more that will stay with them far beyond their 4-H careers. But no matter how much work and training goes into an animal project, there is always a level of unpredictability that can lead to injuries such as the examples above for youth and adult participants alike. While some youth who participate in shows and fairs are covered by annual policies, electing to also request Special Activities Coverage for these events is a great way to truly ensure that everyone who attends these programs is protected in the event of an injury.

For more information about our Special Activities Coverage or any questions about our other policies, please contact our office. You can call toll-free at 800-849-4820 or e-mail


Photo Credit: NDSU Extension


Flashback Friday!

The Special Risk Division used to sponsor State group photos at National Agent Meetings. Here are some awesome examples dating back to the 1950s! Let us know if you recognize any of the faces in these photos! Please feel free to share with the current members of National and State Associations and link to our blog and/or Facebook page

Idaho 57 indian ag 72 Iowa Ag 65 Kentucky Ag 62 Missouri Ag 67 Ohio Ag 1959 Wisconsin 4-H UndatedColorado 63


A “Snapshot” of Our Policies

The American Income Life Special Risk Division (AIL SRD) provides two main types of blanket insurance policies to serve 4-H and Extension Clients: Annual Club/Group Coverage and Special Activities Coverage.

We wanted to provide 4-H and Extension Professionals with a quick tool they can use to help share what our coverage does with colleagues and volunteers. Click the link below to open a PDF version of the flyer and if you have additional needs or questions please don’t hesitate to contact our office!

Snapshot Policy Flyer

We’re Now on Facebook!

In an effort to make sure that our blog posts and other updates are easily available and to engage better with our Clients, we’re starting a new Facebook page for the Special Risk Division. If you use Facebook, please consider visiting and liking/following our page. If there are other social media tools that you and your colleagues use that you think would help us in reaching out, please let us know. In the meantime, click below to visit our page on Facebook!

American Income Life Special Risk Division Facebook Page


Hope for the Best, Plan for the Worst

This was a phrase used a lot by my colleagues during my career in 4-H and I think it probably resonates with a lot of Extension professionals around the Country when it comes to considering insurance coverage for your Program. My name is Erin Bain and I am new to the American Income Life Special Risk Division. I have worked professionally for 4-H for 10 years but began my lifelong love of 4-H as a member when I was 7 years old. I have a Bachelor’s degree in Recreation, Parks, and Tourism from The University of North Carolina at Greensboro and a Master’s of Public Administration from North Carolina State University. I have worked at the NC State 4-H Office with grant programs, as a 4-H Camp Program Director in my home state of Virginia, and most recently spent 7 years as a 4-H Agent in two Counties in NC.

I am very excited to be starting a journey with AIL as the 4-H and Extension Client Relationship Coordinator. This new position has been created to help us at AIL better serve our largest client base and help you continue “To Make the Best Better” in all of the work that you do. I am going to be writing regular articles to provide helpful information about the policies that we provide and I will be here to answer your questions as well. The topic for my first article is a general overview of our policies and what you might want to consider when deciding which is best for you. 

The Special Risk Division of American Income Life has a great history with 4-H and Extension, providing coverage for clubs and activities since 1952. We have several different coverage options that provide varying benefits and are happy to help you select the plan or plans that will provide the highest benefits for your 4-Hers. While there is no way to account for every single obstacle or issue that may present itself in a 4-H program, taking advantage of our Annual or Special Activities Plans can certainly provide a great deal of peace of mind for professionals if (or when) something unexpected happens.

Our Special Activities Coverage can be used for any 4-H programs or events. As an Agent, I used it for everything from day camps to teen retreats to volunteer training events. The policies are extremely easy to sign up for, only requiring a simple online form, and you receive an immediate email follow up with an official confirmation of coverage within a few business days. The online application for coverage can be found here. Depending on the level of coverage you select, anything from minor scrapes to major illness/injury can be taken care of by our policies and reduce the amount of worry for your 4-H program as well as the families of your participants. These policies are very affordable and you only pay for the actual number of people who attend once you meet the $8.00 minimum per event.

Our Annual 4-H Club Coverage is an excellent option for any and all organized 4-H Clubs or groups. These policies can also be used for advisory councils, afterschool programs, livestock show planning committees, or other Extension groups led by your colleagues in Agriculture or Family and Consumer Sciences. Like the Special Activities policies, this is a very affordable coverage option and can provide a great deal of comfort for 4-H professionals as well as your volunteer leaders who are responsible for a lot of the day to day operations of Clubs/Groups. At $1 per person/year for traditional members or $2 for those involved in horse programs, this policy is well worth the security it offers. There is a $10 minimum for these policies and you can choose to cover both youth participants and adult volunteers/leaders. A hard copy application must be used for this coverage, but a PDF of the form can be downloaded here

The following charts provide a brief overview of the costs and benefits provided under each of these two policies and hopefully will be a good reference for you when determining which to select. Click on each table to enlarge the image. Should you need any clarification about these policies or have any questions at all about the services that the Special Risk Division can provide, please do not hesitate to contact me. I can be reached via e-mail at or telephone toll-free at 800-849-4820. I am excited to get to know many more wonderful 4-H friends and help however I can!

 717 table again 

annual table again