American Income Life Insurance Co. $14M TCPA Settlement

American Income Life Insurance Co.

Consumers who received two or more calls about American Income Life Insurance Co. insurance products to a phone number listed on the National Do Not Call Registry may qualify to claim a cash payment from a class action settlement.

American Income Life Insurance Co. agreed to pay $14 million to resolve a class action lawsuit alleging it made telemarketing calls to phone numbers registered on the National Do Not Call Registry in violation of the Telephone Consumer Protection Act.

Who can file a claim?

Class members must meet all of the following criteria:

They are associated with one of 49,695 unique telephone numbers American Income Life Insurance Co. identified.
They registered their phone number on the National Do Not Call Registry for at least 30 days.
They received more than one call on behalf of American Income Life Insurance Co. within any 12-month period between Aug. 11, 2019, and Dec. 4, 2024.
American Income Life Insurance Co. did not insure them at the time of the calls.

The settlement administrator sent notices to those it identified as class members.

How much can class members get?

Pro rata payment: Class members who submit valid claims will receive a cash payment from the settlement fund. The settlement administrator will divide the net settlement fund equally among all valid claimants. The exact amount each person receives will depend on the total number of valid claims submitted and deductions for attorneys’ fees and costs, administrative costs and a service award to the class representative.

If funds remain after the first distribution due to uncashed checks or unredeemed payments, the settlement administrator will distribute them on a pro rata_ _basis to settlement class members who cashed or redeemed their initial payments if the second distribution would be more than $1.

If a second distribution is not monetarily feasible or there are uncashed checks after the second distribution, the settlement administration will donate them to the National Consumer Law Center, subject to court approval.

How to claim a class action rebate

Class members can download and print the PDF claim form, complete it and mail it to the settlement administrator. Those who received a claim form in the mail can also fill it out and mail it to the settlement administrator. The online claim link is currently not working. Claim Depot will update this article when it is available. The claim deadline is Nov. 25, 2025.

Settlement administrator's mailing address: American Life Insurance Settlement c/o Kroll Settlement Administration LLC, P.O. Box 5324, New York, NY 10150-5324

What proof or documentation is required to submit a claim?

All claimants must provide the claimant identification number located on the settlement notice they received.

They must also provide the telephone number(s) registered on the National Do Not Call Registry that American Income Life Insurance Co. called.

Payout options

Electronic payment (online claims only when available)
Paper check

$14 million settlement fund breakdown

The $14 million settlement fund includes:

Settlement administration costs: To be determined
Attorneys’ fees: Up to $4,666,666.66
Attorneys’ expenses: To be determined
Service award to class representative: Up to $5,000
Payments to eligible class members: The remainder of the fund

Important dates

Deadline to file a claim: Nov. 25, 2025
Deadline to request exclusion: Nov. 25, 2025
Final approval hearing: Jan. 21, 2026

When is the American Income Life Insurance Co. settlement payout date?

The settlement administrator will distribute payments to class members approximately 60 days after the court grants final approval of the settlement and resolves any appeals.

Why did this class action settlement happen?

The class action lawsuit alleges American Income Life Insurance Co. made telemarketing calls to phone numbers listed on the National Do Not Call Registry, which the plaintiffs claim violated the Telephone Consumer Protection Act.

American Income Life Insurance Co. denies these allegations but agreed to settle to avoid the costs and uncertainty of litigation.