You have Reached the Special Risk Division of AIL

Looking for Life Insurance or Careers?



American Income Life Group Activity Insurance

If your organization participates in group activities, chances are we have an insurance policy that can cover your group. This includes denomination offices, youth ministries, vocational student organizations, after-school programs, fundraisers, domestic mission trips, campus ministry activities, group tours, and special events. Any group is welcome to apply and the Special Risk Division of American Income Life will work to customize an affordable plan for your group.

AIL Special Risk insurance coverage is a low cost service and easy to administrate. No names are required, just numbers and dates. It also helps promote a trusting relationship between the student or youth program and the parents. Anyone would appreciate avoiding out-of-pocket medical expenses, which can easily exceed the cost of participating in a youth program. Not leaving families with large medical bills could potentially avoid a nuisance lawsuit. American Income Life’s Special Risk Division gives prompt payment of claims to promote your commitment to health and safety. This insurance coverage comes with Group Travel Coverage, which means the insured is covered to and from the sponsored activity.


Policy Features

  • Coverage starts for as little as 12 cents per person, per day
  • 24/7 accident and illness insurance
  • Coverage for volunteers
  • Primary, no-deductible coverage
  • Includes incurred medical and surgical treatment, X-rays, hospital confinement, and ambulance expense
  • Covers dental services incurred within 52 weeks of the accident
  • Covers loss of limbs up to a set amount
  • Covers medical and hospital expense (up to the maximum amount) for approved illness while this policy is in force
  • Provides a benefit if death occurs as a result of an accident within 100 days of the accident

View Plan Rates

Back to top

Descriptions above are summaries and provide very brief descriptions and are not an insurance contract. Product availability varies by state and some products are not available in all areas. Complete details of the benefits, terms, conditions and exclusions of specific policies and availability should be obtained from the American Income Life Special Risk Division.


Examples of Claims

The following examples are actual claims which have been paid by the Special Risk Division of American Income Life.

A 13-year-old was participating in a domestic mission trip working in an inner-city area. During a lunch break, he jumped off a swing and landed hard on his hand and shoulder. He was diagnosed with a broken collarbone after being taken to a local hospital. The organization’s AIL policy helped reimburse the boy’s family for their out-of-pocket medical expenses.
A 17-year-old student was attending a state conference for a vocational student organization. While plugging in his cell phone, he received a strong electrical shock from a defective plug. He was transported by ambulance to a local hospital with heart palpitations. The AIL policy helped pay for his ambulance and hospital charges.
A 9-year-old boy was playing basketball while participating in an after-school program. During a game, he fell and struck his head on the gym floor, and later died from his injuries. The program’s AIL policy paid a death benefit to the family and helped cover emergency room bills not covered by personal insurance.

Related Posts