American Income Life- Souley Bah Agencies Maryland/DC

What American Income Life- Souley Bah Agencies Maryland/DC does

American Income Life- Souley Bah Agencies Maryland/DC is a small satellite agency (1-10 employees) based in Lanham, Maryland, operating within the independent contractor distribution network of Globe Life's American Income Division (NYSE: GL). The agency sells individual life insurance, supplemental health insurance, and accident insurance products directly to consumers, targeting working class families primarily through in-person and virtual meetings. As a sub-entity of a division founded in 1951, it inherits access to the parent division's 17 million+ policies in force, $231 billion insurance in force, and 50+ year A.M. Best 'A (Excellent)' financial strength rating.

The underlying product and technology stack is conventional: term and whole life policies, supplemental health products that complement primary coverage, and accident insurance benefits, supplemented by a no-cost Child Safe Kit community-outreach product. Distribution is entirely field-based through independent contractor Business Owners; the only digital surface referenced is an online customer policy management portal and an agent-finder website, with no proprietary technology, public APIs, or AI/ML capabilities disclosed. Pricing is quote-based and not publicly disclosed, with coverage sized via needs analysis.

Revenue mechanics flow from insurance premiums paid by policyholders, with commissions on new business and renewals accruing to the independent contractor agency. Customer segments are horizontally diversified across working class families, labor union members, credit union members, and association members, and the parent division operates across the United States, Canada, and New Zealand, though this specific agency's footprint is limited to Maryland and the District of Columbia.

Name

American Income Life- Souley Bah Agencies Maryland/DC

Legal name

Globe Life American Income Division

Website

https://agency.ailife.com

Company type

Private

Founded year

1951

Operating status

Operating

Headcount range

1–10 employees

Short description

American Income Life- Souley Bah Agencies Maryland/DC is a small Lanham, Maryland-based satellite agency within the Globe Life American Income Division independent contractor network, selling life, supplemental health, and accident insurance directly to working class families in Maryland and the District of Columbia.

Ownership category

akta.pro rank

Product category

Life Insurance

NAICS

Direct Life Insurance Carriers (524113), Insurance Agencies and Brokerages (524210), Direct Health and Medical Insurance Carriers (524114), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Life Insurance (6311), Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Level Term Life Insurance (FSAIAAAA)

akta.pro secondary industry

Non-Participating Whole Life Insurance (FSAIABAJ)

Keywords

• Life insurance
• Supplemental health insurance
• Accident insurance
• Final expense insurance
• Voluntary benefits agency

Headquarters

HQ city

Lanham, Maryland

HQ country

United States

HQ region

North America

Offices15 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations

Revenue model

1. Insurance Premiums: The company generates revenue through insurance premiums paid by policyholders. Products include life insurance, supplemental health insurance, and accident insurance. The company has issued over 17 million policies in force with $231 billion insurance in force.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

American Income Life - Souley Bah Agencies Maryland/DC is a local insurance agency that sells Globe Life American Income Division life insurance, supplemental health, accident, and final expense insurance products to working-class families and union members in the Maryland and Washington, D.C. area. The agency operates through independent contractor agents who conduct no-cost, no-obligation benefits reviews and enroll individuals directly into Globe Life underwritten policies. The agency runs on a commissioned, agent-driven distribution model with no online self-serve purchase option for its core products.

Product overview

Globe Life American Income Division operates as a multi-product insurance provider offering a portfolio of core protection products including Individual Life Insurance, Supplemental Health Insurance, and Accident Insurance. The company specializes in serving working-class families through labor unions, credit unions, and associations. Additionally, the company offers no-cost products such as the Child Safe Kit and a no-cost partners program. Products are distributed through a network of independent contractor agents and business owners across the United States, Canada, and New Zealand.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Insurance Term and whole life insurance policies underwritten by Globe Life American Income Division, marketed to working-class families and union members in Maryland and Washington, D.C. Coverage is provided to the named insured and pays a death benefit to beneficiaries.
• Supplemental Health Insurance Supplemental health insurance policies that pay cash benefits directly to the insured to help cover expenses not reimbursed by primary health insurance, sold to working-class families in Maryland and D.C. through the agency's agent network.
• Accident Insurance Accident insurance policies that provide lump-sum or scheduled benefits for injuries sustained in accidents, marketed to working-class families and union members through the agency's local agent network in Maryland and Washington, D.C.
• Final Expense Insurance Small-face-amount whole life insurance policies designed to cover funeral, burial, and other end-of-life expenses, sold to working-class and lower-income households in Maryland and Washington, D.C. through Globe Life American Income Division underwriting.

Quantifiable outcome

• $1.8 Billion Total Claims Paid ($1B Life + $822M Accident & Health)
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators9 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Aflac: Aflac distributes supplemental accident, hospital, and life insurance largely through independent agent networks at the worksite and via one-on-one selling, closely paralleling AIL's supplemental health and accident focus on working-class households.
• Primerica: Primerica sells term life insurance and investment products to middle-income working families through a nationwide network of independent representative agents, employing a very similar agent-led, needs-based direct sales model to Globe Life American Income Division.
• Transamerica: Transamerica underwrites term life, whole life, and supplemental health products distributed through independent agents and worksite channels, competing head-to-head with AIL in the middle-income family protection segment.

Emerging players

• Colonial Life: Colonial Life sells supplemental accident, disability, and life insurance primarily through worksite-based agents, closely mirroring AIL's supplemental health/accident proposition for working-class and union audiences.
• Mutual of Omaha: Mutual of Omaha underwrites term life, supplemental health, accident, and final-expense products distributed through independent agents, with a comparable working-class and association-channel focus to AIL.

Broad incumbents

• State Farm: State Farm sells life insurance alongside its dominant P&C business through captive agents, providing comparable middle-market protection products via an agent-led channel that overlaps with AIL's distribution.
• Northwestern Mutual: Northwestern Mutual is a large career-agent-based life and disability insurer with a financial planning emphasis, representing an incumbent competitor for agent recruits and the middle-income protection segment.
• Globe Life (parent): Globe Life (NYSE: GL) is the publicly traded parent of American Income Division and operates multiple life insurance subsidiaries (Globe Life, Liberty National, Family Heritage, United American), making it the overarching incumbent carrier behind the Souley Bah agency.
• New York Life: New York Life distributes whole life, term life, and supplemental products through a career-agent system, serving overlapping middle-income family markets and competing for the same independent agent talent pool.
• Allstate: Allstate Life distributes term and permanent life products through its network of captive agents and direct channels, competing for working- and middle-class households across the same US geographies as the Souley Bah agency.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/american-income-life-souley-bah-agencies-maryland-dc

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Income Life- Souley Bah Agencies Maryland/DC