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Different people in different Places. Technically, Torchmark owns the company. But the policies are sold by different "agencies' which claim to be a part of the American Income Life Insurance company.

Most legitimate insurance agencies either work directly for the company (i.e. New York Life, Aetna, or State Farm) or they work as Independent Underwriters who deal with a wide range of insurance companies to meet the needs of their individual clients.

If the Holding company owns the Insurance company that owns the Agencies that own the Offices, what we have here is a Pyramid Scheme!

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11y ago

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