American Income Life (2022 Update): Best Life Insurance Sales Company?

Scam Risk is here to help you protect yourself and fight back

Updated: January 04

By: Scam Risk - Expert Reviewer

American Income Life

Life insurance is a huge financial investment in your future. When selecting a life insurance company, be certain that they are someone you and your family can rely on at a tough moment.

You might have stumbled upon American Income Life Insurance, a well-known life insurance company.

American Income Life Insurance is presented uniquely compared to many other companies since it employs a multi-level marketing system.

The company provides a variety of legal insurance options, but there are certain drawbacks to be aware of before deciding. 

But before we get into that I want to be totally upfront…

This American Income Life review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Pros: What I Liked

  • Strong financial Rankings
  • Solid customer base
  • Wide product list
The Good

Cons: What I Didn't Like

  • Non-participating whole life insurance
  • Baid and switch on sale of Child safety kits
  • Poor customer ratings
The Bad

Table of Contents

Here’s what you should know before purchasing American Income Life Insurance.

Chances are you heard about American Income Life because someone – a friend or family member – introduced you to the company. Maybe you attended an online workshop or webinar, or maybe an in-person information session.

Your head’s probably spinning. This might be the first time you’ve heard about a real way to make money outside of a typical job.

So first off, congratulations!

You’ve just entered a whole new world…the world of making money on your own terms.

However, you came in through the wrong door.

Because American Income Life is – plain and simple – an MLM. Throw whatever fancy name you want on it…multi-level marketing (MLM), network marketing (NWM), direct sales, or anything else, it’s the same concept:

You pay some money upfront for the “opportunity” to sell products.

The products are typically low-quality but with high price tags (fancy labels and stuff).

You’re told that the key to building your own successful business is selling these products to friends and family, and getting them on a subscription (so you get “monthly recurring revenue”).

Unfortunately, like most people who get taken in by these types of schemes, you’ll quickly discover that the well runs dry faster than you imagined.

After all, they make it sound really simple. “Just get 5 people you know onto this magic widget, and things will just grow from there.”

And in your head, you think “How hard can it be? I know plenty of people, 5 will be easy.”

But then you do it, and you realize people look at you like you’ve joined a cult. You’ve become “that person”, who joined an MLM, and is now trying to sell questionable products or services to everyone they meet.

It puts a strain on your relationships, and you end up stuck between two worlds.

But it’s not your fault. These companies spend millions of dollars each year figuring out exactly how to brainwash and recruit people. And that’s why we’re here.

To help you find a better way before it’s too late.

So, what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Inventory
  • Selling to friends and family
  • Selling to strangers
  • Recruiting people
  • Dealing with questionable products that weigh on your conscience

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day chasing, selling, or managing anything?

If that sounds like something you’d be interested in, check out Digital Real Estate. 

TESTIMONIAL - STILL GETTING PAIDThis is nothing like MLM, and that’s probably a good thing.

However, if you’d still like to know more about American Income Life, keep reading.

What Is American Income Life?

What Is American Income Life

Let’s change gears and find out more about American Income Life.

Bernard Rapoport, the founder of American Income Life, founded the company in 1951.

Today, American Income Life is very successful and a big supplier of supplemental health insurance.

AIL’s primary markets are labor unions, credit unions, and insurance soliciting groups.

The company has about 2 million policyholders and sells more than $130,000,000 in insurance products each year.

That’s quite remarkable!

The headquarter of American Income Life is in Waco, Texas. As of July 2019, AM Best rates AIL as having “A+” exceptional financial strength.

American Income Life is completely owned by Globe Life Insurance, which operates in the United States, Canada, and New Zealand. They have a subsidiary called National Income Life in New York.

What Policies Does American Income Provide?

Policies American Income Provide

Although American Income’s multi-level marketing sales methods are dubious, the company does provide valid life insurance coverage. If you decide to get a life insurance policy from them, whether it’s a little policy or a million-dollar policy, you can rely on their coverage regardless of the present economic condition.

The selling life insurance part happens after you present the kit.

AM Best, an independent agency that evaluates the financial soundness of insurance companies and other financial institutions, has given them an A+ rating.

Whole Life Insurance

Whole Life Insurance

American Income is a company that specializes in whole life insurance products. This insurance, as the name implies, will cover you for the rest of your life, regardless of your age.

Whole life coverage also contains a cash value component, which means they grow in value over time and may be treated as a financial asset.

Terminal Illness Rider

Terminal Illness Rider

They also include a terminal illness rider, which means you may use your death benefit to pay for medical treatment if you get ill.

When you compare American Income Life to other life insurance companies, AI’s policy differs from those of other insurance carriers in that it is non-participating and does not pay dividends. They promise a 4.5 percent growth rate on the policy value, but your policy will not yield dividends in the same manner that other whole life insurance plans do.

This implies that you won’t be able to generate as much money in the long term.

Term Life Insurance

Term Life Insurance

Term life insurance is also available through American Income. Term life insurance is only valid for a certain length of time, generally between 10 and 30 years. It’s actually less expensive than whole life insurance and does not contain a cash value component. Term life insurance offers the greatest value for money for most customers.

American Income also provides what is known as supplementary health insurance. Accident insurance, hospital indemnity, cancer protection, and critical illness insurance are examples of these.

While each of these life insurance policies is significantly different, they all provide financial protection if the policyholder is hospitalized for a lengthy period or requires continuous medical treatment.

While these plans may seem to be enticing, you can typically acquire superior coverage by investing in a high-quality health insurance policy. Before committing to any of these plans, you should consider all of your family’s healthcare coverage alternatives, like child safety kits.

What Is The Customer Service Like At American Income?

Though they boast about their training and management style, customer service at American Income is rated extremely low. Customers say it’s tough to get in contact with agents or customer support professionals when they need to.

It may sometimes take a long time to be accepted for a life insurance policy, and the application procedure might be complicated. The Better Business Bureau or BBB website and other consumer review sites give American Income low ratings. Most American Income Life reviews are negative too.

While you may control certain parts of your policy and read essential paperwork on American Income’s website, you’ll still need to call in the majority of your requests. This may be very inconvenient, especially for busy tech-savvy clients who may not have time to wait on the phone.

Is American Income Life A Scam?

Is Clever Container A Scam

So, is American Income Life a scam?

Not technically. You can make money with this program, but it’s definitely not as easy as the company makes it sound.

There’s a ton of work to be done with no guarantee of any real success.

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re grinding it out for 3 months and then your reward is a $50 commission, it’s not really worth it.

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Real Estate

And, unlike an MLM, you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

Are There Alternatives To American Income Life?

alternative path financial independence

Yes, there are plenty of MLM companies to choose from if you want to pursue this business model.  Here are just a few:

What Is My Top Recommendation In Making Money Online In 2023?

Digital Real Estate

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Real Estate is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Real Estate is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Real Estate business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2) You Own & Control EVERYTHING: With MLMs and Network Marketing, you don’t really own anything. You have no control over the quality of products. You don’t even own your “team”.

Look at the fine print for most of the agreements folks sign when they join one of these companies. At any point, the company can change your commission structure, reduce your profit margins, or kick you out entirely.

With Digital Real Estate, you own the assets, which means you have all the power and all the control.


3) Little To No Startup Costs: It’s possible to get into Digital Real Estate with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.


4) No Inventory: Alright, so most MLMs don’t make you buy the products and fill your garage with them anymore (unlike the good ol’ days), but you’re still in a physical products business.

And physical products always have physical limitations. Even if you don’t have to manage the inventory, you still have to deal with supply chain shortages that cause major delays.

Imagine finally landing your first customer, and then losing them after one sale because they had to wait 6 weeks to get their order.

With Digital Real Estate, a 100% online business, you never even have to think about that risk.


5) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with an MLM, you’d have to double your customers OR double the average order size of your existing customers, and guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


6) Make Money Helping Real People: This part is what makes it all worth it. In an MLM, your “upline” might convince you that what you’re selling improves people’s lives, but deep down, you likely know that’s not true.

Most of the time, you’re either selling a dream or a poor-quality, overpriced product with a fancy label.

And that makes it pretty hard to sleep at night.

But with Digital Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Real Estate makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours.

You could continue browsing, looking at opportunities like American Income Life which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Real Estate.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Real Estate.

ScamRisk's #1 Online
Business Recommendation:
You know deep down what you're meant for. Now they will show you how to go get it.
We will be happy to hear your thoughts

Leave a reply

Scam Risk