American Income Life – Choose Life Anytime!

National Life Insurance Awareness Month (LIAM) is sponsored by the nonprofit Life Foundation and takes place each September.  Its purpose is to create awareness of the need to purchase life insurance.  Every year a celebrity spokesperson is the face of the event and tells the story of how the loss of a family member impacted his or her life. A few years ago, it was NBA star Lemar Odom, who lost his mother as a young boy but was able to follow his dream because of the care of his grandmother and the life insurance policy his mother had provided. Last year it was Buddy Valastro, the star of the TV reality show, ‘Cake Boss’. Buddy’s father died very suddenly when Buddy was a teenager and left the family with no life insurance. That loss helped Buddy recognize the importance of life insurance at an early age.

It’s not September yet, but any month is the right month to think about life insurance and to encourage the purchase of life insurance. And you don’t have to be a celebrity to do it.

Whether you purchase a whole life policy or a term life policy, the important thing is to purchase a policy. You never know what the future holds, and there is nothing more important than protecting the financial future of those you love.

 

It’s Your Choice at American Income Life

Life insurance is a product everyone needs, but no one wants to think about or talk about…often until it’s too late. No one wants to consider the possibility of dying, but it’s as much a part of the cycle of life as living is.

The importance of purchasing appropriate life insurance to protect your family can’t be overstated. It’s as important to your well being and to theirs as having a solid roof over your head, nutritious food on your table, and warm clothes on your back. Those are things you need and want to make day-to-day living easier and more comfortable. A term or whole life insurance policy can do the same thing for your family if the unthinkable should happen to you. Life insurance benefits can keep that solid roof over your family’s head, keep that nutritious food on their table, and keep those warm clothes on their backs. Life insurance policy benefits can take care of your family if you’re no longer around to do it.

If you’ve hesitated to buy life insurance, please don’t hesitate any longer. Take care of the people you love…NOW.

American Income Life offers term and whole life policies to fit every pocketbook and every lifestyle. Go to www.ailife.com to learn more.

American Income Life – In a Perfect World

You’ve probably asked yourself at some point, “What would a perfect world be like?” If you’re like most people, you’ve come up with some standard responses. In a perfect world:

• There is no hunger because everyone has access to proper nutrition.
• There is no war because leaders from every country understand and accept each other’s differences.
• There is no racial intolerance because everyone understands and accepts we are all brothers and sisters regardless of skin color.
• There is no religious intolerance because everyone understands and accepts we all worship the same god; we simply come from different directions.

Sounds great, doesn’t it? Unfortunately, the world has a long way to go to achieve it. But one thing you can do right now to make your world a better place is to provide your family and loved ones with financial security. How? You can purchase a quality life insurance policy from American Income Life.

You can’t change the world overnight, but you can improve your personal well being by making sure your loved ones are financially protected should the unthinkable happen. Learn more about American Income Life at www.ailife.com. Make your piece of the world a little more perfect!

A Special Gift from American Income Life

A gift from American Income Life

Have you ever been faced with the following problem?  Your spouse or significant other has a special occasion coming up.  It could be a birthday, an anniversary, the birth of a child, getting a degree, the first day of a new job, the opening of a new business, etc.  You want to do something very special for your spouse to commemorate the occasion, but you can’t think of anything ‘different’.

Well, in addition to the flowers, jewelry, gift certificates, or power tools, how about a life insurance policy?  It may sound a little strange, but purchasing a life insurance policy with your husband or wife as beneficiary is one of the most loving and selfless things you can do.  It tells them as much as you care about them now; you care even more about their future.  It tells them you want their lives to be financially secure and free from worry no matter what happens in the years ahead.  It tells them you love them.

Yes, it may seem like an unusual gift, but when you really think about it, it makes a lot of sense.  Check out what American Income Life offers at www.ailife.com.  Your spouse or significant other will thank you.

Love … Marriage … American Income Life Insurance!

Protect your new family with affordable life insurance from American Income Life.

You’ve probably heard the expression, “First comes love; then comes marriage; then comes mommy with the baby carriage.” You may want to change that to, “First comes love; then comes marriage; then comes your insurance Agent from American Income Life.” If you’re newlyweds just beginning your lives together or a young couple starting to think about having a family, purchasing appropriate life insurance protection for your loved one (and future loved ones) is one of the most important steps you can take together and an integral part of planning your future.

Now that you’re no longer single, you have new responsibilities, both to yourself and to your spouse.  You want to provide the best possible future for the person you love. But what might happen to that person if something happened to you? Secure your family’s financial future now with a term or whole life policy from American Income Life.

No matter what your stage in life — single, young and married with no children, young and married with children, middle-aged, empty nester, Senior — everyone needs life insurance protection. And it’s never too early or too late to purchase life insurance coverage right for your lifestyle and financial resources.  Find a qualified life insurance Agent at American Income Life to help guide you in the purchasing process.  Go to www.ailife.com and click ‘Search’ under ‘Local Agent Finder’.

American Income Life – What’s a Good Excuse?

When it comes to not purchasing life insurance, there isn’t one! Protecting the future well being of your family is THE most important thing in the world.

But why do so many people put off buying life insurance protection or avoid it all together? There’s the usual list of excuses:

• I don’t need it.
• I can’t afford it.
• I don’t understand it.
• I don’t have time to look into it.

Underlying all those excuses is the fact that no one likes to think about dying. But death is a fact of life as much as eating, sleeping, and working, and it’s something we all will face one day. Isn’t it better to be prepared for that day so those you leave behind can mourn your loss without worrying about how to pay the bills.

• You do need it. The truth is everyone needs life insurance, even if it’s only a small Final Expense policy to cover funeral expenses.
• You can afford it. A term life policy covers you for a specified period of time and is reasonably priced.
• You can understand it. A life insurance policy is a contract between you and the insurance company. You pay a premium each month, and your beneficiary receives a specified benefit amount at the time of your death.
• You do have time. Everyone is busy, but you should make the time to visit with a qualified, licensed insurance Agent to learn more about life insurance and how it can provide your family with a more secure financial future. It only takes a few minutes of your time, but it can be among the most important minutes of your life. Visit www.ailife.com to learn about American Income Life products.

American Income Life – Ask Yourself the Right Questions Before You Buy!

American Income Life – What Questions Should You Ask?

Why buy life insurance?  Young, old, fat, thin, rich or poor … everyone needs final expense coverage at some point.  An American Income Life insurance policy can provide that and more, depending on the benefit amount you purchase.  In the event of your death, a life insurance policy benefit can provide your family with the financial resources they need to maintain their lifestyle — even without your income.

How does life insurance work?

A life insurance policy is a contract between you and the issuing insurance company.  The company guarantees (subject to their claims paying ability) to pay the selected benefit amount directly to your beneficiary when you die.  Life insurance benefits are generally free from income tax and not subject to delays and expenses associated with probate and wills.

What are the types of life insurance?

There are two main types of life insurance: term life and whole life, sometimes referred to as permanent.  A term policy covers you for a specific time period … five, 10, 15, or 20 years, for example.  At the end of the term, you stop paying premiums and your coverage ceases.  A whole life policy covers you until you die, regardless of your age, as long as premiums are kept up-to-date.  Whole life policies generally have an investment component that results in higher premiums compared to term insurance.

How much life insurance do I need?

There are several schools of thought on this question, but most insurers agree that coverage between five and 10 percent of your annual salary is adequate.  For example, if you make $40,000 annually, you should consider a benefit amount of between $200,000 and $400,000.  Every person and situation is unique, so speak with an experienced life insurance Agent like one at American Income Life before you make this important decision.  The best policy for you can depend on many factors — age, lifestyle, financial resources, marital status, etc., and a good Agent can help you make the right determination.

Source: https://www.fidelity.com/viewpoints/things-to-know-about-life

Life Insurance 101 – American Income Life Answering Your Questions

When you get down to it, life insurance is like a nice leather jacket. You have to find one that’s a perfect fit for you. There are different types of quality, and they seem to come in every size and shape under the sun. But once you find the right fit, you get an overwhelming sense of comfort. Unlike leather jackets though, life insurance can potentially stay with you for the rest of your life.

That being said, not all people need the maximum amount of coverage. If you’re single with no dependents, you won’t need as much life insurance as a person who supports a large family. People with families have more expenses to worry about such as mortgage protection or college expenses for their children. As you can see, life insurance needs aren’t static; they change depending on your circumstances.

There are two main types of life insurance: cash value products and term life. Factors that may contribute to the cost of life insurance include:
• Age
• Gender
• Health
• Family history
• Hazardous activities (parachuting, vehicle racing, bungee jumping, etc.)
• Criminal record

Term life insurance provides coverage for a limited period of time. Term life periods of insurability usually range from five to 30 years. Because of this, term life insurance is usually less expensive than whole life. Premiums can increase due to changes in health, age, or other criteria.

Cash value products are exactly what they sound like; they build cash value tax-free. Potentially, you can borrow against them as long as you’ve met the product requirements. There are several varieties of cash value products including:
• Whole life
• Universal life
• Variable universal life

Whole life insurance provides coverage for your entire life and can also build cash and loan value with premium payments. Whole life has lifelong guaranteed premiums and includes death benefit and cash value.
Universal life is identical to whole life policies, but has greater flexibility in premium payments, guaranteed death benefit, and cash value accumulation.

Variable universal life, often called adjustable life, allows you to invest the cash value part of your life insurance into stocks, bonds, or other programs which may increase your cash value. However, if the investments don’t do well, your cash value could diminish.

Here are some additional tips about life insurance:
• Term life policies can be converted to whole life policies
• Insurance should not be purchased as an investment tool
• If there is misleading information on an application for insurance, the insurance company isn’t obligated to provide full coverage

American Income Life has additional life insurance products and services that you may be interested in. When you think of life insurance, make sure you research the companies you plan to deal with. Look for financial strength ratings to make sure the company is stable and can pay claims. 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. Our Representatives would be happy to talk with you about the products and services we offer.

Source: http://www.dominicantoday.com/dr/opinion/2011/11/7/41550/Life-Insurance-101

American Income Life Product Tips

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.