American Income Life Insurance Company SWOT Analysis, USP & Competitors

Posted in Banking & Financial Services, Total Reads: 980

SWOT Analysis of American Income Life Insurance Company with USP, Competition, STP (Segmentation, Targeting, Positioning) - Marketing Analysis

American Income Life Insurance Company

Parent Company

Torchmark Corporation


Life Insurance- Healthcare


Banking & Insurance

Tagline/ Slogan

Protecting working families since 1951


Specializing in life and supplemental health insurance



Life insurance, health insurance, investment, and annuity

Target Group

Organizations such as credit  unions or labor unions


Marketed through multiple distribution channels including direct response, and exclusive and independent agencies

SWOT Analysis


1. A+ rating from both AM Best and BBB (Superior Rating)

2.Decent price range

3.Online payment seen as customer friendly & highly preferred one

4.Efficient underwriting and product focus generating higher underwriting margins

5.Continued strong performance at life insurance segment

6. It has a significant presence in United States, Canada, New Zealand


1. Intense competition from other players means limited market share

2. Low brand awareness and less geographic penetration compared to global players


1.Turnaround in US life insurance and pension market

2.Expanding healthcare business

3.Positive trends in the US healthcare sector would help Torchmark market its products effectively and fuel its revenue growth


1.Competitive pressures likely to intensify pressure on margins

2. Regulatory changes could affect financial strength and performance

3.Increased incidence of natural disasters testing claims paying ability



1. Bankers Life and Casualty Company

2.Globe Life Insurance

3.Citigroup Inc.

The table above concludes the American Income Life Insurance Company SWOT analysis along with its marketing and brand parameters.


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