Jim Surace is a State General Agent for American Income Life in Ohio and one of the leading partners of the Surace-Smith Agencies. When Issue 2 came up on the polls, Jim wrote a letter addressing his opinion about the issue, and submitted it to a newspaper for publication. In his letter, Jim informed the public on the unfairness Issue 2 would bring to the working people. Issue 2 would have limited the worker’s rights at work, as well as their income.
For those who are not familiar with Issue 2, it was a plan made by Ohio Governor John Kasich in favor of restricting bargaining rights for unionized government workers.
Like American Income Life, Jim Surace is a supporter of unions and the right to a fair workplace; which is why Jim made sure he contributed to inform the public of the issue. He, along with union supporters and activists, showed up and voted ‘no’ to Issue 2. In a record breaking turnout since the early 90s, 46 percent of the Ohio population showed up to vote and 60 percent voted ‘no’ to Issue 2.
Read more on Jim’s letter on Issue 2 on the official American Income Life company blog!
Remember when you were in school and the teacher graded your exams using a ‘Bell Curve’? Guess what? The Bell Curve is not only for exams. It literally applies to life!
This illustration shows the milestones in life. It also shows that insurance needs change depending on where you are on the curve. The need for insurance should increase or decrease – like the shape of the Bell Curve – as your earning potential and responsibilities increase or decrease.
There are two main types of life insurance – whole life and term life. Whole life provides coverage for your entire life and builds cash and loan value as you pay premiums. Premiums never increase. But whole life is generally more expensive because coverage lasts a lifetime. It provides the best overall protection for your family and covers final expenses.
Term life provides coverage only for a limited time. After that, the policyholder generally pays increased premiums to maintain the coverage. Term life, however, is usually less expensive than whole life. It’s appropriate for those with limited financial resources or who want the coverage only for a short time.
As you near retirement, the need for term insurance dwindles. By that time, you would have likely accumulated enough money to live on. From retirement to the end of life, you generally don’t need term coverage if you have an appropriate whole life product in place that can help pay final expenses.
Why not learn more about life insurance from a respected company with strong financial strength ratings? American Income Life has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/11). To learn more about life insurance, visit American Income Life.
Most people try to be prepared before starting a family. Couples usually consider if a house is big enough, their income, jobs stability, and if they know anyone reliable in case something happens.
At American Income Life we provide life insurance coverage and help young families in case of an unpredicted accident. So along with the fun stuff like decorating your new home, deciding on your baby’s name, and choosing your vacation as a family, also think about the crucial things, like life insurance.
Life insurance is very important especially when you’re considering having a child. A life insurance policy can relieve some of the final expenses which result from the death of a loved one.
Family life insurance can be very helpful with covering future expenses. We all want the best for our children. What if we don’t get the chance to help them receive the best education? That’s where your life insurance can make things a little easier and support your children with tuition costs in the event of your death.
Secure your family’s future by getting a life insurance policy. American Income Life can assist you if you have additional questions
The professionals at American Income Life Insurance Company work with labor union, professional association, and credit union clients to determine optimum supplemental insurance plans based on individuals’ and families’ circumstances, budgets, and goals. Offerings include whole life, term life, and supplemental insurance policies including accident, hospital indemnity, cancer, critical illness, and a terminal illness rider. In addition, American Income Life offers the optional, noninsurance No-Cost American Income Partners Basic Program. *
The Freedom of Choice whole life plan, created to help relieve families of immediate financial concerns upon the death of a loved one, allows families to select the funeral home, location and type of service when it is needed. The Company also offers a whole life policy with premiums payable until age 65. Term life policies can be used to supplement permanent policies or meet specific needs, such as paying off a mortgage or protecting family income. Beneficiaries can request a lump sum payment upon the insured’s death or can request the benefits be spread out over several years.
An accident policy covers accidental death and dismemberment, hospital confinement, and intensive care treatment if related to an accident. In addition, the policy pays a benefit if the policyholder has emergency room treatment as a result of an accident when treated within 72 hours of incurring an accidental injury. The American Income Life hospital indemnity plan provides a fixed benefit when a policyholder undergoes hospitalization due to accident or illness. Cancer protection policies can provide specific coverage for treatment of cover or a single sum benefit when an insured is diagnosed with cancer. The critical illness plan pays a one-time lump sum payment upon the initial diagnosis of a covered critical illness.
The optional, noninsurance No-Cost American Income Partners Basic Program* enables members to call an 800 number or go online to locate nearby participating providers who offer up to 60 percent discounted health services and products, including eye care and prescription drug, hearing, and chiropractic plans. For an annual fee, members can upgrade to the Gold Program*, which includes discounts on hotels, car rentals, dental care, nutritional supplements, travel assistance, and a 24-hour nurse helpline. Visit www.ailife.com for more information on the Company’s products.
Hello and welcome to American Income Life’s blog! Remember to come back often to read interesting news about our company, also useful life insurance tips and many success stories. We can’t wait to see you again!
Jim Surace is a State General Agent for American Income Life in Ohio and one of the leading partners of the Surace-Smith Agencies. When Issue 2 came up on the polls, Jim wrote a letter addressing his opinion about the issue, and submitted it to a newspaper for publication. In his letter, Jim informed the public on the unfairness Issue 2 would bring to the working people. Issue 2 would have limited the worker’s rights at work, as well as their income.
