Supplemental Insurance at American Income Life

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.

*Not available in all areas.

Plan Availability Varies By State / Province

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