How do you qualify for coverage through American Income Life Insurance?


Quick Answer

Most individuals qualify for coverage through American Income Life, or AIL, by being part of a labor union, credit union or association in the United States, Canada and New Zealand, notes the company. AIL focuses their life and supplemental insurance products on working class families through various organizations, such as schools, churches, clubs and small businesses.

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Full Answer

AIL works with more than 2 million policyholders and 20,000 organizations, according to the company website. Policyholders receive accidental death and dismemberment coverage free of cost, along with discounts on health services, such as vision care and prescriptions. The company also helps members who need a credit card, car loan or mortgage.

AIL offers whole and term life insurance, along with accident protection, hospital indemnity, cancer protection and critical illness supplemental insurance, states AIL. Certain benefits come with no additional cost, such as the Safe Surfin' Guide, No-Cost Child Safe Kit and No-Cost Partners Program. The Child Safe Kit collects valuable information that helps the police in case a child goes missing.

AIL's whole life insurance provides coverage until death. Cash and loan values are constantly built, while premiums do not increase, according to AIL. Term life insurance is less expensive than a whole life policy, but only offers coverage for a fixed number of years. Both types of policies come with a terminal illness rider.

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