My husband was in an accident one year ago (May 2012) and he was insured with AIL Insurance company from Waco Texas. His premium clearly stated that he would receive $200 a day for each day he was in the hospital. My husband was completely paralyzed and was hospitalized for 4 months. After much hassle trying to contact and deal with this insurance company, we finally got our payment - for 7 days in the hospital! They said the rest of the time, my husband was "recuperating" which is not covered in his premium. Well of course someone who is paralyzed and in a hospital is "recuperating"! After receiving this news, I started searching the Internet and found thousands of site talking about AIL being a scam company. Now I want people everywhere to be aware of this. I will do anything to get this message all over the Internet. People are paying good money for an insurance that will never pay up if they ever need it. I hope this site is a good place to start with my quest to get the truth out about this insurance company.