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American Income Life Review (2023): Is It Actually Legit?

Updated On: November 23, 2023


Welcome to my American Income Life review. My goal is to answer common questions like: how much it costs, if it's a scam, & if you can actually make money with it. The end goal is to help you understand if it's a good fit for you personally, and if there are any better alternatives out there.
American Income Life Insurance Company Review

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Table of Contents

Program At A Glance

What I liked
Strong financial rankings
Solid customer base
Wide product list
What I Didn’t Like
Non-participating whole life insurance
Bait and switch on sale of Child safety kits
Poor customer ratings

Purchasing life insurance is a major future investment, so you should ensure that the life insurance company you choose can support you and your loved ones in times of need.

And you’ve probably heard of American Income Life Insurance, which specializes in this area.

American Income Life Insurance is different from many other companies because it uses a system called “multi-level marketing” to sell insurance.

The company offers several legal insurance solutions, but there are some downsides to consider before making a decision.

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

MLMs like American Income Life Insurance are a bit of a mixed bag. They CAN be a legitimate way to make money, but some have a reputation for literally ruining people’s lives – so it’s important to know what you’re getting, since each one is unique.

Like most of my readers, you were probably introduced to this one via a friend or some influencer you trust online.

And it makes sense why so many people recommend them:

Making money outside of a 9-5 can be… life-changing, to say the least.

So in this article, I want to help you explore two things:

  1. If MLMs are actually a worthwhile business to pursue
  2. If American Life Insurance is a worthwhile MLM

Before that, I want to clear the air on something.

There are A LOT of people out there who bash all MLMs in any form. I am not one of those people.

Instead, I want to genuinely educate you about them so that you can make an informed decision on how to proceed.

If you’re unfamiliar with what MLMs actually do:

They’re businesses in which you pay money to a company for the ability to sell their products.

Sometimes the products are actually kind of decent (I still remember my mom throwing pampered-chef parties when I was younger).

Other times the products are really poorly made and come with a high price tag.

Typically, the only way to really make money is to get people (mostly friends & family) to sign up with you for a recurring subscription.

If the product is 100% legitimate & valuable, it’s entirely possible to get people to sign-up and continue paying you.

If the product is subpar, you’ll usually burn those bridges kind of quickly and end up with $0 each month.

The biggest issue I’ve seen is that this puts significant stress on your personal relationships, as you’re reliant on selling to your “network.”

Think about it: if you KNEW that every time your friend Sally called, she’d be trying to sell you on one of her products… you’d eventually stop answering Sally’s calls.

Now, this doesn’t mean MLMs are outright bad… it means you need to know what type of MLM you’re getting yourself into before you sign up.

Again, some MLMs provide real value to people, but MOST don’t – and so in this article, I’m going to explore the case with American Income Life Insurance.

But before that, I want to ask you a question: what if there was a way to build actual recurring, semi-passive income?

Income that:

  • Doesn’t have inventory
  • Doesn’t make you sell to your friends & family
  • Doesn’t force you to recruit people onto your “team”

Something that you could make anywhere from $2,000 – $10,000 with consistently, month after month?

A stream of income that you can build as high (or low) as you feel like building it?

If that sounds interesting, you might want to consider using the Digital Rental Method.

If you wanna see what American Income Life Insurance looks like on the inside, keep reading.

What Is American Income Life?

What Is American Income Life

Let’s try something different and learn more about American Income Life.

Bernard Rapoport, the company’s founder, established the company in 1951.

American Income Life is now a very successful supplemental health insurance provider.

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

The company has around 2 million policyholders and sells more than $130,000,000 in insurance sales annually.

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?

American Income Life Insurance Policies

Despite the company’s sketchy multi-level marketing sales practices, American Income does provide proper life insurance coverage. You may rely on their coverage regardless of the current economic situation if you buy a life insurance policy from them, whether a small or a million-dollar policy.

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
Life Insurance Conceptual Image

American Income is an insurance company that specializes in whole life insurance. As the name suggests, this insurance will protect you no matter how old you are for the rest of your life.

Whole life insurance also has a cash value component, which means it may be viewed as a financial asset and grows in value over time.

Terminal Illness Rider

Terminal Illness Rider

They also feature a terminal illness rider, which means that if you become ill, you can use your death benefit to pay for medical treatment.

When comparing American Income Life to other life insurance companies, AI’s policy stands out because it’s non-participating and does not offer dividends. They offer a 4.5 percent growth rate on the policy value, but your policy will not pay dividends like other whole life insurance policies.

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

Term Life Insurance

Term life Insurance

American Income also provides term life insurance. Term life insurance is only good for a limited time, usually between 10 and 30 years. It costs less than whole life insurance and doesn’t build cash value. Most people get the most value for their money from term life insurance.

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

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 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?

Customer Service

Despite boasting about their training and management style, American Income’s customer service is terrible. Customers claim it’s difficult to reach out to an insurance agent or customer service representatives whenever needed.

It may take a long time to be accepted for a life insurance policy, and they might complicate the application procedure. 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 most of your requests. This may be very inconvenient, especially for busy tech-savvy clients who may not have time to wait on the phone.

Are There Alternatives To American Income Life?


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

Is American Income Life A Scam?

Is It A Scam

So, time for the $1,000,000 question: is American Income Life a scam?

No, not technically. They aren’t going to run off with your money and not give you what you paid for. It’s 100% possible to make money with this program.

That being said, it’s not nearly as simple as they want you to think it is.

There’s A LOT of work to be done upfront and no guarantee that you’ll be successful. The commissions are also fairly small.

Don’t get me wrong, I’m all for doing hard work now, so that I can reap the benefits later.

But if you’re going to work really hard for 3 months, and your reward is a $100 check… it’s not really a great opportunity.

If I’m gonna do that, I want the rewards to be HIGH and virtually guaranteed.

I’d rather put in that same 3 months of work (in my spare time) & build a handful of Digital Rental Properties that each produce $500-$2,000 checks every single month afterward (AKA recurring income).

And the cool part is that you can do it in a lot less time than 3-months (I personally did it in my first 2 weeks of using the Digital Rental Method).

Unlike with MLMs, you can do it from anywhere in the world, so it’s a genuine “laptop-lifestyle” business.

All you need is an internet connection.

Some of my friends are Digital Rental Method that run their 6-figure businesses from:

  • Camping trips at national parks
  • Beachfront in Hawaii
  • On the road in a camper van (with a pet pig!)

They focus on living an enjoyable life first, and focus on income second. All thanks to this program

They can take weeks or months off, and money keeps rolling in.

Living happily is the top priority.

If the thought of living perpetually at your dream vacation spot interests you, using the Digital Rental Method might be for you!

What Is My Top Recommendation In Making Money Online In 2022?

Make Real Money Online With Digital Landlord

I’ve personally tried all of the major online business models:

  • I’ve sold fidget spinners through Amazon FBA
  • I’ve dropshipped a toilet bowl putting green on Shopify
  • I’ve sold women’s health supplements via Clickbank affiliate marketing

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

I’ve also been on the other side of old friends trying to sell me their fancy new MLM products.

That being said, my #1 recommendation for making real money online is, hands-down: being a Digital Landlord.

Whether you’re a complete newbie or you’ve been around the block before but have never had that “big win” to propel you forward, using the Digital Rental Method is for you.

Read Our In Depth Breakdown Of The Top 5 MLMOpp Courses For 2024

Did American Income Life Make The List?


Time: If you’ve got a spare hour or two each day, you can do this. If you want to drop everything and go all-in, you can do this. More time obviously means faster results, but even putting in a few hours per day is enough to see real success.

And because of that flexibility, you don’t need to trade your time for money. Once the income starts, it’s recurring.

That means you can take a month off, travel the country, pursue a passion project, chill on the beach, or charter a boat across the world.

But you can only do that once you’ve created an income stream that doesn’t require YOU to be there all day, every day.

Ownership & Control: With MLMs, you don’t really “own” anything – everything belongs to the MLM.

If you read the contracts, they can kick you out at any time, or change your commission at any time (it’s happened in a few high-profile MLM cases recently).

Why pour your soul into a business that could be taken away from you at the drop of a dime?

With the Digital Rental Method, you literally own all of the assets, which means you have ultimate control.

Big Margins: With MLMs, you’re often going to have really slim margins. That means you need to have a VERY large network to make serious money. This usually entails spending A LOT of money on ads and other methods for recruiting members.

using the Digital Rental Method, your profit margin is nearly 100%. Watch here to learn how.

Just a reminder: these Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases, and the effort put into creating the next property decreases.

Best-case scenario, you have properties bringing in over $3,000+/mo on auto-pilot.

It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

If you wanted to double your income with an MLM, you would need to sell twice as much inventory. And I can guarantee you, that’s a lot harder than a few clicks & a phone call.

You’re Helping REAL People: My biggest gripe with MLMs is that you’re likely going to ruin your personal relationships.

The MLM may have convinced you that you’re actually helping people, but it’s often not really true.

But With the Digital Rental Method, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If you can provide those customers, they’re going to be really happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put food on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.

So, the rest is up to you. You could keep looking at other MLM programs like American Income Life, which might make you money 12 months from now.

You could keep researching and researching for the next few months (or few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you.

Making a fortune while actually helping real people that need it.

If this sounds like you, click here to see how it all works.



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