American Income Life Review (2022 Update): Everything You Wanted To Know!

By: Brittney

You probably found this American Income Life review while looking for ways to make money with MLM - but is it legit? You might wonder because...
Disclaimer:
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.

The Good Stuff

Wide product list
Solid customer base
Strong financial Rankings

The Bad Stuff

Poor customer ratings
Arguable bait and switch on sale of Child safety kits
Non-participating whole life insurance

Firstly, Why Am I Writing This Review?

Nice to meet you, my name is Brittney!

My story starts  like many do… “slaving away” at a 9-5 job that I didn’t really enjoy, but hey – it paid the bills.

I worked for a large Fortune 500 company that performed background checks for other companies when they wanted to hire a new employee… so you know, not exactly exciting stuff.

For a lot of people, a nice stable job and predictable check coming in every month is the picture of success, but for me, it felt like I was missing out on life.

Clocking in every single day, doing the same tasks over and over again, getting home with barely enough time to make dinner and enjoy some time to myself… only to wake up again the next morning and do it all over again.

I just wanted to enjoy life without being shackled to an unfilling job. 

I wanted to be able to take vacations whenever I wanted, for however long I wanted.

I didn’t want to have to beg my boss for a salary increase that barely matched inflation.

I just wanted to be free and happy.

Then about 4 years ago (as a stroke of luck), I stumbled across a program that taught me how to make money online by actually helping real people (local US businesses).

my concrete site

The image above shows an example. This mini website brings me in around $1,250 every single month, and I haven’t touched it in over 2 years.

That’s $15,000 per year in my pocket without having to really do anything.

Just helping small mom-and-pop shops keep their lights on and grow.

So it makes sense why local lead generation is my top online business for passive income. If you’re curious how that business model works, you can read more here.

NOTE: I DO NOT WORK WITH​ American Income Life

Who Cares About That?

99% of reviewers out there don’t have experience running an actual business. They’re writing about stuff that they have no real experience with.

Why would they do that?

They just want you to click through and buy the  program that the review is about!

I have absolutely no relationship with American Income Life, so you can rest easy knowing that I’m going to give you my honest opinion.

This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.

American Income Life Insurance Providers

Do you want to make tons of money but don’t know how? Have you ever tried doing your own business? Was it successful? Do you want to try something different? If yes, then continue reading cause I have something that might pique your interest.

Life insurance is a significant financial commitment to your future. When choosing a life insurance provider, be sure they are someone you and your family can depend on in a time of need.

You may have come across American Income Life Insurance, a well-known life insurance provider.

American Income Life Insurance is presented differently than many other companies since it uses a multi-level marketing strategy.

The organization offers a variety of legal insurance solutions, but there are certain negatives to consider before making a decision.

Is American Income Life legitimate? We’ll find out.

But first, I’d want to make it very clear…

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 (because 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-PAID

This 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

Bernard Rapoport founded American Income Life in 1951.

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

Labor unions, credit unions, and insurance collecting organizations are American Income Life’s primary markets.

The business has around 2 million members and sells more than $130,000,000 in insurance products annually.

That is just incredible!

American Income Life’s headquarters are in Waco, Texas. AM Best rates AIL as having “A+” excellent financial health as of July 2019.

Globe Life Insurance, which operates in the United States, Canada, and New Zealand, owns American Income Life completely.

In New York, they operate a company named National Income Life.

What Policies Does American Income Provide?

Policies American Income Provide Life Insurance Policies

Even though the company’s multi-level marketing insurance sales practices are doubtful, it does provide enough life insurance coverage.

After you show the kit, you can offer life insurance.

AM Best, an independent organization that reviews the financial health of health insurance companies and other banking institutions, has awarded them an A+ rating.

Whole Life Insurance

Whole Life Insurance

The American Income Life is an insurance company that provides whole life insurance. As the name says, this insurance will cover you for the remainder of your life, regardless of age.

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 policy, meaning that you may use your death benefit to pay for medical care if you get sick.

When comparing American Income Life to other life insurance companies, AI’s life policy stands out since it is non-participating and does not offer dividends.

They guarantee a 4.5 percent growth on the policy value, but your policy will not pay dividends, unlike other whole life insurance policies. This means you won’t be able to make quite so much money over time.

Term Life Insurance

Term Life Insurance Life Expectancy

American Income also provides term life insurance. Term life insurance is only good for a certain period, usually between 10 and 30 years.

It costs less than whole life insurance and does not include a cash value component. For most consumers, term life insurance provides the best value for money.

Supplementary health insurance is also available through American Income. Examples include accident insurance, hospital indemnity, cancer protection, and critical illness insurance.

While each life insurance policy is unique, they offer financial protection if the client is hospitalized for an extended time or needs ongoing medical care.

While these plans may seem appealing, you can usually get better life coverage by enrolling in a high-quality health insurance policy. Before committing to any of these plans, consider your family’s healthcare coverage options, such as child safety kits.

What Is The Customer Service Like At American Income?

Despite claiming about their planning and training style, American Income’s customer service is considered incredibly terrible.

Customers , even current and former employees (clients), find it difficult to get in touch with an insurance agent or customer service representatives when needed.

Accepting a life insurance policy may take a long time, and the application process may be difficult. American Income has poor reviews from the Better Business Bureau, BBB, and other consumer review sites. The majority of American Income Life reviews are also negative.

While you may be able to handle certain aspects of your policy and view important documents on American Income’s website, you will still need to phone in the majority of your requests.

This might be quite difficult, particularly for busy internet clients who don’t have time to wait in line.

Is American Income Life A Scam?

Is it 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 upfront, no real guarantee of success, and – most importantly – the actual commissions are pretty small.

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

TESTIMONIAL-Saying-Goodbye-To-Our-Jobs

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?

are there alternatives

Yes, there are plenty of other business models to choose from if you want to pursue making money online.  Here are just a few:

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

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.

Why?

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.

TESTIMONIAL-JUMP-ALL-IN

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.

TESTIMONIAL-FEELING-BLESSED

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

TESTIMONIAL-SCOTT-LEAD-GEN

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.

TESTIMONIAL - ANNA DONE DEAL

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.

LANCE LEAD GEN

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.

TESTIMONIAL-BOSS-OF-MY-FUTURE

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.

Table of Contents

Brittney Here!

I get to travel the world and live life without financial worry thanks to the system below!

The Last Program You Will Ever Need