Dashboard
Company Knowledge
Day 130m75 XP
Who Is American Income Life?
American Income Life (AIL) is the unionized division of Globe Life — one of the oldest and most trusted insurance companies in America. Globe Life has been protecting families for over 100 years. AIL specifically handles union member benefits, and has done so for over 50 years.
Why do unions choose AIL?
Every year, 93% of California unions choose AIL over every other carrier. Here’s why:
- Payout speed: AIL pays out in 1-4 days. The industry average is 6-9 months. When a family needs money after a loss, they need it NOW.
- Permanent coverage: AIL’s policies never expire and never increase in price — unlike term insurance.
- Exclusive access: These benefits are NOT sold to the general public. 99% of AIL policyholders are union members or their family and friends.
Who you serve: Police officers, firefighters, teachers, labor union members, and their families.
Core Principle: The Union Advantage
93% of California unions pick AIL every year for life insurance. That’s your credibility — own it.
Key facts to know cold:
• AIL = unionized division of Globe Life
• Globe Life: 100+ years old. AIL: 50+ years old.
• Unions served: police officers, firefighters, teachers, labor unions
• Payout: 1-4 DAYS (industry average: 6-9 months)
• Permanent coverages that never expire
• Benefits NOT sold to the public — exclusive to union members + family/friends
• 99% of policyholders are union members, family, or friends of union members
The car dealership analogy:
“You don’t buy a car from McDonald’s. You go to a dealership. Same thing — when it comes to life insurance, you talk to a life insurance professional through your union, not a random carrier.”
The Credibility Play
When a client doubts AIL’s legitimacy or thinks there’s a catch: “Once we explain to them that we’re unionized, we’re handing these policies over to police officers and firefighters. Do you think we have something in the fine print that is lying to you? No. Your family will have money in 1-4 days.” When a client says "I’ve never heard of American Income Life": “We’re the unionized division of Globe Life — we handle benefits for police officers, firefighters, and teachers. We pay out in 1-4 days vs. the industry average of 6-9 months. Once you qualify, we work for you, not against you.” The ailife.com reference: “Go to ailife.com — THIS is how much we paid out. We pay out in 1-4 days as opposed to 1-6 months with other companies. We are proud to pay out.”
Why Your Union Chose AIL
The "why you’re getting this call" explanation: “Your union has established a death benefit for you, and it’s my job to send you this benefit and explain exactly what you get for being part of your union.” Key talking points for union members: • “Your union negotiated these benefits specifically for members like you” • “These aren’t available to the general public — this is exclusive to union members and their families” • “We’ve been serving union families for over 50 years” • “Police officers, firefighters, and teachers all trust us with their families’ protection” Premiums: • AIL’s premiums are locked in and will never increase over time • Once you qualify, your rate is locked forever — regardless of health changes later • You will never pay more than what your policy is worth
Company Knowledge Checklist
Key Takeaways — Company Knowledge
• AIL is the unionized division of Globe Life — 100+ years of trust
• 93% of California unions choose AIL every year — that’s your strongest selling point
• AIL pays out in 1-4 days vs. industry average of 6-9 months
• Benefits are exclusive to union members and their families
• The car dealership analogy and credibility play are your go-to trust builders
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