Founded in 1951, American Income Life Insurance Company (AIL) is headquartered in Waco, TX, and is licensed in 49 states, Canada, and New Zealand. National Income Life Insurance Company (NILICO) operates as a subsidiary of AIL in the state of New York.
American Income Life’s independently contracted, local offices serve a niche market of labor unions, credit unions, associations, and individual families. AIL’s supplemental insurance products are sold by captive insurance sales representatives. Giving back to its communities is just part of the culture at AIL through its Closer to the Heart program.