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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.

Don’t Delay Filling Out a Claim Form!!!

In the youth development field, Summer is a busy and often stressful time. Most professionals are juggling a million different things on a day to day basis and we understand that the last thing most people want to add to their constantly growing to-do list is more paperwork. However, in the case of accidents and other incidents requiring medical treatment for your participants, it is vital that you take the time to fill out and submit the necessary Claim Form(s) to us as soon as possible to ensure proper processing and avoid sending your participants home with unpaid medical bills.

AIL Special Risk works hard to provide excellent coverage and outstanding customer service, but the ultimate responsibility to begin the process of filing a Claim falls on you as the policy holder. While timely filing of a Claim is no guarantee of eventual payment, it is the first step in the process and one that absolutely can’t be skipped.

If in doubt, it is always better to submit a Claim Form and not need it; than to need it and not complete it.

Our Claim Form including detailed instructions can be found on our website here:

If you have any questions regarding Claims, please feel free to call our office at 800-849-4820 or e-mail!


Summer is Coming!

Hello 4-H!

I hope this message finds you well and you are gearing up for another great summer of 4-H fun! Whether your programming consists of day camps, workshops, overnight adventures, fairs and shows, or practically all of the above, we know that summer is a hectic time for 4-H Professionals and Volunteers all over the U.S.

I just wanted to take a few moments to touch base with some information and reminders about our policies and make sure you know how to get in touch with us with any questions or concerns.

Special Activities Policies:

  • Premiums are .20, .25, or .30/person/day with an $8 minimum. The $8 minimum premium is applied per day when events are held on non-consecutive dates or per event when they are consecutive. For further clarification and examples, click here to read our blog post with detailed information about the $8 minimum and here for a flow chart to help determine when you need a Special Activities Policy.
  • HERE is the direct link to apply for Special Activities Coverage Online.
  • Once you have submitted your application, we encourage you to print/save the “Confirmation/Remittance Form” generated by the website to track your final numbers and send in along with your payment after your events are over.

Filing a Claim:

  • IF you have an accident/incident occur during a covered Program/Event which requires medical attention, follow these steps:
    • Fill out our Claim Form as completely and accurately as possible. The form must be completed by staff or volunteer who is not related to the patient and provides detailed instructions including what documentation will be needed to proceed. A PDF of the form is available online HERE.
    • Claim report must be sent directly to American Income Life within 20 days of the accident. Claim forms or itemized bills may be mailed, faxed or emailed to  Mailing address is AIL Claims, P.O. Box 50158, Indianapolis, IN 46250.  The fax number is 317-849-2793.
    • Even after the initial Claim report has been submitted, communication between the AIL SRD Office and the Policy Holder (4-H) is very important! Please make sure to keep open lines of communication and follow up with requests ASAP so that we can be sure that your participants are not left with unpaid bills!

AIL Special Risk Division Contacts – Toll Free Phone # 1-800-849-4820:

Office Hours: Monday-Friday, 8:30 a.m. to 5:00 p.m. Eastern

  • Erin Bain – 4-H and Extension Client Relations –
    • When in doubt – call/e-mail me first for any questions regarding coverage for 4-H and Extension programs and events.
  • Laurel Fassold – Accounting –
    • Questions about billing, requesting invoices, confirming payments, etc.
  • Cindy Baugh – Claims –
    • Any and all claims questions!
  • Hannah Miller – Support Specialist –
    • Additions, corrections, deletions, cancellations, confirmation of coverage, etc. for already submitted applications

What Does Camp Mean to YOU?

In our decades of serving camps all across the Country, the AIL Special Risk Division has learned that camp is much more than a place where kids go canoeing or get more bug bites than they can count or learn silly songs to annoy their parents with on the ride home (at least until they fall asleep that is). Camp is an experience that teaches youth important life skills and allows them to get outside of their comfort zones in a multitude of ways that they could never find at home. Even adults who attend for the first time as employees can learn, grow, and fall in love with camp in ways that they probably never thought were possible before it happened.

We want to hear from Camp Professionals about what camp means to YOU and reward a few who are willing to respond with $50 Amazon gift cards so you can hopefully treat yourself to something fun before the Summer officially begins!

Provide us with a few words or short phrases about what the experience of camp meant to you as a youth and/or how it still impacts you today as a professional.

If you have any questions about the survey itself or would like information or a quote or a camper medical proposal, please contact American Income Life Special Risk welcomes questions from any camp regarding accident and illness claims and camp safety.



Twas the Month Before Camp…

Month Before Camp


#TBT – Bill Viar, Special Risk Division Director, Inducted into the 4-H Hall of Fame

The AIL Special Risk Division is very proud of our long-standing relationship with 4-H and our status as America’s Leading Insurer of 4-H and Extension Programs. Our Director, Bill Viar was extremely humbled and privileged to be selected for induction into the National 4-H Hall of Fame in 2016.

Knowing that Bill has joined the ranks of the 4-H Hall of Fame is a truly amazing honor that reminds us how intertwined the history of the AIL Special Risk Division is and solidifies that our commitment to the 4-H program truly goes beyond potential profits. We see our partnership as an investment in the youth development professionals and those they serve that will help improve their clubs, communities, country, and world for generations to come.



Up Close and Personal with our Personnel!

We wanted to take a few moments to tell you how excited we are to continue working with you in 2017! Here at the Special Risk Division of American Income Life, we have been “Serving Those Who Serve Others” since 1952, and we are so impressed by how much of a difference you make in your communities every day.
We know that families must put a great deal of trust in you to allow their children to participate in your programs, and we hope that having coverage through us provides both you and them with additional peace of mind. Insurance can be a tricky field to navigate in a lot of ways, and we are constantly striving to ensure that our clients know we are here to support them every step of the way.
We pride ourselves on the ability to give our customers the benefits of a large company while providing prompt, efficient, and personal customer service like what you might expect from an office that is around the corner instead of a couple of time zones away. In that spirit, we have put together brief bios of all of our staff so that you can put a face with the name on the e-mail or the voice over the phone whenever you need to get in touch with us.
One of our major goals this year is going to be working on continuing to update our informational materials and providing you with the resources you need to understand and effectively utilize our products. If there are certain things that you feel would be helpful such as brochures, fact sheets, infographics, videos, etc., please feel free to reach out to us with specific suggestions. We want to thank you again for your hard work, dedication, and service, and hope that you will never hesitate to get in touch if there is anything the Special Risk Division of American Income Life can do to make your job easier.

Bill Viar joined the American Income Life Special Risk Division in 1995. Having served in various property and casualty underwriting, marketing, and communication positions, he was uniquely prepared to begin serving the coverage needs of youth development programs. As Director of the AIL Special Risk Division, Bill is responsible for leading company initiatives to create appropriate blanket insurance coverage for millions of youth participating in programs ranging from local 4-H club meetings to some of America’s largest summer camps.  Bill’s leadership of the Special Risk Division has always been geared towards ensuring the absolute best product and customer service that we can for our clients. In 2016, Bill was selected for one of the highest honors that 4-H has to offer and inducted into the National 4-H Hall of Fame.

Erin Bain has been working with the Special Risk Division since March of 2016 as the 4-H and Extension Client Relationship Coordinator. Erin received her B.S. Degree in Recreation, Parks, and Tourism from UNC-Greensboro and Masters in Public Administration from North Carolina State University. She joined AIL following a ten year career with Virginia and North Carolina 4-H having served as an Extension Assistant, 4-H Camp Program Director, and most recently as a County 4-H Agent. These educational and professional accomplishments provide her with a wealth of experience in program management including event planning, volunteer development, peer training, and marketing, and she has been able to translate many of those skills and more into being a successful member of the AIL SRD Team.  Erin is a passionate advocate for youth development because she grew up as a 4-Her in Virginia, which she credits for helping her cultivate many vital life skills as well as a lifelong love of learning and serving others.  She has two cats named Cashew and Macadamia (because they are “nuts”), and enjoys traveling, concerts, theater, and baseball. When she’s lucky she really likes combining some of those together!

 Cindy Baugh joined the AIL SRD in January 2014 as our Claims Clerk. She has had a long career in the insurance industry and brings a wealth of knowledge and experience to our division. She was first employed as a Personal Assistant with Liberty Mutual before receiving her Property and Casualty license and moving on to Allstate where she was an Customer Service Representative from 2000 to 2013.  After taking a brief break to care for family members, Cindy became a part of our team and has been instrumental in helping this division make the claims process as efficient and effective as possible for our clients. She and her husband have 3 children, 4 grandchildren, and a cat named “Splat.” Cindy and her family and friends enjoy spending time together camping and fishing.
Laurel Fassold, a Colorado native, had a 17-year Civil Service career as an Executive Secretary, working at the Air Force Academy and Air Force Space Command in Colorado Springs, and the Department of Finance & Accounting Service in Indianapolis.  After “retiring” from Civil Service to raise a family with her husband Mike, she established an in-home transcription business and volunteered in many areas in her family’s schools, sports teams, and community.  In June 2015, with both of their daughters heading to college, she joined American Income Life’s Accounting Department.
 Hannah Miller is our support specialist in the Special Risk Division and joined the team in August 2016. Since graduating with a B.A. from Taylor University (2012), Hannah has worked under the directors of two youth-serving nonprofits, where she gained valuable insight into the processes behind successful youth programs. Combining this with her experience in the risk management department of a nationwide corporation, Hannah thrives contributing to the behind-the-scenes admin that keeps organizations running smoothly. In our office, Hannah handles incoming applications and wishes she could join all the fun activities she reviews. To cope, she keeps a running list of her favorite 4-H club names – shout out to the Acapella Alpacas! – and eats more than her share on office donut days.