SSBH is an independent firm representing and distributing American Income Life products in Ohio, Kentucky, and expanding throughout the United States.  Since starting from scratch in 2016, SSBH firm has emerged as one of the fastest-growing firms representing AIL. The team is manned by more than 120 high achievers – entrepreneurs who see the value in unlimited opportunity.


Patrick ‘Bulldogg’ Bendure received his Bachelor’s degree in Communications from Kent State University in Ohio in 1996. But it was a decade later when he embraced his future with American Income Life Insurance Company (AIL). Bulldogg is proud of all he’s accomplished with American Income Life, and strongly believes in AIL products and the value his Agency holds for clients and representatives.

 “Our Agency offers Unlimited Opportunity to develop oneself in many areas: mentally, physically, spiritually, socially, economically, personally, and professionally. Find a mentor you trust and listen to him or her one hundred percent of the time. The secret to success is never taking advice from someone you aren’t willing to trade places with.”


After graduating from the University of Dayton with a Bachelor’s degree in Finance in 2006, Dan Hartwig worked as a consultant in the financial services industry. But when a friend from college, who worked for American Income Life Insurance Company (AIL), spent two-and-one-half years recruiting Dan, he was finally convinced and joined the AIL team in 2008.

“Our Agency prides itself on creating opportunities for people to develop themselves personally and professionally, while eliminating financial barriers through a competitive compensation package.”


James Surace, was in real estate before joining American Income Life Insurance Company. When the real estate market softened, James seized the AIL opportunity. His first year with AIL, James was runner up for Agent of the Year. He was promoted to Agency Owner his second year with the Company and was so successful he built his own 12,000 square foot office building. He was the AO of the Year in 2006 and 2008 and is proud that 10 other Agency Owners have been promoted from his office.

 “This position has allowed me to fulfill a purpose greater than myself and given me an income that will extend to impact generations. It’s an amazing position of influence where you build riches while changing the world through impacting and improving lives.”


Marcus Smith started with the Company in September 2001. He was an intern and was going to a small business college. Marcus was looking for an internship and was really excited about what American Income Life was doing with labor unions, credit unions, and associations. Working with blue-collar families and working class Americans was a background that he was both familiar with and knowledgeable of, and had passion to serve. Marcus asked Jim Surace if he had any positions available for interns. 

“Luckily for me, I did a decent enough job at the internship to be given a full opportunity to stay at American Income Life. So, I’ve been with AIL since I was 19 years old. The way I came aboard American Income Life was a little unique, but through that interview, I really wanted in. I really wanted what they had.”


American Income Life is an international company protecting working families in the United States, Canada, New Zealand, and through their wholly-owned subsidiary, National Income Life Insurance Company in New York.
American Income Life has served working class families since 1951 with life, accident, and supplemental health products to help protect members of labor unions, credit unions, associations, and their families. AIL representatives develop long-term relationships with clients by meeting them where they are the most comfortable… their home. With our new virtual platform, we are able to safely meet with families from anywhere at their convenience.

Now Operating Virtually!

Virtual has changed everything for myself and my family. I’m able to work, take care of my children, make it to their games, and still put dinner on the table. I’m blessed to have this opportunity and wouldn’t change it for the world.


Virtual has been amazing while going to school full time because of the opportunities and flexibility it has. Makes it way easier to get done with class and just hop on Zoom with our members rather than driving hours away.  I love that I can help serve two to three times more members anywhere in the state just from my college dorm!