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.
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Little Things Are Really the BIG Things at American Income Life!

You’ve probably heard the expression, “It’s the little things in life that matter.” Well, not only is it the little things in life that matter; it’s the little things in life that turn out to be the BIG things with American Income Life.

A $10,000 life insurance policy seems like a little thing. The premium is reasonable, and the benefit amount not very large. But that little life insurance policy can become a very big life insurance policy to a family who loses its breadwinner. If the family has little or no savings or investments to tap into and no one from whom they can borrow money, that little life insurance policy means being able to give their loved one a proper goodbye. It means being able to say farewell to their loved one with pride and dignity. That little life insurance policy from American Income Life can make a big difference to a grieving family.

If you’re one of the thousands of families who have no life insurance, or not enough life insurance … what are you waiting for? There is not a better time than now to make one of those little things in life one of the BIG things. Your loved ones will thank you. Go to www.ailife.com to learn how American Income Life can help you.

American Income Life – Control What You Can!

Ever get the feeling life is beyond your control? Everywhere you look, other people are making decisions that impact your life, but over which you have little or no say. Taxes are going up; gas prices are skyrocketing, food prices are increasing. It’s hard not to feel like a victim.

But there is something important to your well being and that of your family that you can control — your insurance coverage. You make the all-important decision whether or not to purchase insurance coverage. Depending on your situation, you may be able to choose the company and the Agent with whom you work. You decide what types of coverage you and your family need and what benefit levels fit your lifestyle and your financial resources.

Granted, you can’t control tax rates, gas prices, or food costs. But you can control one of the most important decisions you’ll ever make … the best way to protect the people you love by providing appropriate insurance protection. Whatever you purchase — health, life, accident, cancer, or critical illness protection — it’s up to you.

Isn’t it comforting to know that when it comes to protecting your family, the ball’s in your court? Go to www.ailife.com to learn more about American Income Life insurance!

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

American Income Life - Qualities of a Great Insurer

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

American Income Life – What Makes a Great Insurer?

Choosing the right insurance Agent is important, but just as important is choosing the right insurance company. When selecting an insurer, keep the following in mind:

  • Ratings:  Choose a company with a high ‘Financial Strength Rating’ from a reputable insurance rating agency like A.M. Best Company and/or Standard & Poor’s.
  • Products:  Consider the products you need and want now, but also consider products you may need or want in the future. As you mature, your priorities change. Find a company that can accommodate those changing needs over time.
  • Affordability:  Choose products that fit your current financial situation and lifestyle. There is nothing worse than being ‘insurance rich’ but unable to afford to pay your mortgage or car payment. Make sure you are comfortable with the company’s rates and payment options too. 
  • Claims Service:  Hopefully you may never need to file a claim, but if you do, you want prompt, efficient payment. Find out all you can about a company’s claims’ payment history before you sign on the dotted line.
  • Customer Service: Customer service separates the good companies from the great ones. Can you pay your premium online and check policy and claim status? Will the Agent be available 24/7? If he or she can’t be reached, is there another person or department you can contact? Will the Agent contact you regularly to provide information on new products and to see if your needs have changed? Will the Agent sincerely care about you and your family’s insurance needs?

There is a lot to consider when selecting a quality insurance company, but making the right decision now will save you time, money, and frustration down the road. Check out www.ailife.com to learn more!

Sources: http://insurance.lovetoknow.com/What_You_Look_for_in_an_Insurance_Company

Qualities of an American Income life Insurance Agent

What qualities should you look for in an American Income Life insurance Agent?

  1. Strong work ethic: Great insurance Agents live and breathe their industry and are constantly striving to go the ‘extra mile’ for their customers.
  2. Communication Skills:  First and foremost, great Agents listen. They understand they have to know you and your needs before they can recommend products or solutions.
  3. Availability:  Great Agents are great 24/7, not just 8 to 5, Monday through Friday. They are there when you need them.
  4. Flexibility:  They willingly adjust their schedules to accommodate your needs.
  5. Product Knowledge:  Because great Agents have outstanding product knowledge, they can quickly access your needs and make appropriate recommendations.
  6. Customer Service:  No matter what you need, they are there to help, either personally, or by directing you to the right person.
  7. Honesty:  You know without a doubt that great Agents are honest Agents. They always tell you the truth about products, American Income Life as a company, and themselves.
  8. Trustworthy:  Once you build a bond of trust with great Agents, it will never be broken. You know without a doubt your personal and financial information is safe.
  9. Follow-up:  Great Agents don’t sell to you and then abandon you for the next sale. They maintain contact on a regular basis to determine if your insurance needs have changed, provide you with information about new products, or just let you know they’re thinking of you.
  10. Passion:  This may be the most important attribute of all. Great Agents are passionate about what they do, and that passion ignites a flame that burns brightly for them and for you.

 

Sources: http://www.ehow.com/list_7351433_characteristics-insurance-agents.html; http://ezinearticles.com/?Attributes-Of-A-Good-Insurance-Agent&id=6058328; http://www.investinternals.com/2008/06/qualities-required-good-insurance.html

Embrace Life at American Income Life!

There is no denying everyone needs life insurance. Regardless of age, employment, or marriage and family status, everyone needs final expense coverage. Add to that the need for families to pay mortgages, utilities, and educational or medical expenses, and the reasons to buy life insurance increase dramatically. If a breadwinner dies, his or her family needs financial support to meet its various obligations. Even the death of a dependent generally entails unexpected medical expenses and other final expenses.

Since no one can predict the future, it makes sense for everyone to prepare for the unexpected by purchasing a life insurance policy to help protect their families. Then why are millions of Americans uninsured or underinsured?

According to LIMRA (Life Insurance and Market Research Association), many underinsured Americans believe life insurance is too expensive, lack sufficient knowledge on the topic, or are reluctant to initiate buying. Also, a vast number of households say they have never been approached to buy life insurance.  But it doesn’t have to be this way.

Affordable whole life and term life policies are available through companies like American Income Life. No matter what your stage of life, what better gift can you give to those you love than the gift of a life insurance policy? It may not be glamorous, shiny, pretty, or high tech, but it can help to financially protect your loved ones in the event of tragedy — and that trumps the hottest new gadget every time!