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 to learn how American Income Life can help you.

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.


American Income Life, for When the Unexpected Strikes

Everyone knows someone … a family member, friend, coworker, neighbor … who has suffered a critical illness. No one is immune from its possibility, regardless of age. Like accidents, a critical illness can strike without warning, and its financial repercussions can be devastating.

Here are a few statistics that indicate why a critical illness policy may be just what the doctor ordered.

  • Heart disease is the leading cause of death in the United States and a major cause of disability.
  • Cancer is the second most common cause of death in the United States and accounts for nearly one of every four deaths.
  • Stroke is the third most common cause of death and, like heart disease, is a major cause of disability.
  • Every 34 seconds an American has a coronary event, and every minute an American dies from one.
  • In the US, men have slightly less than a 1 in 2 lifetime risk of developing cancer; for women, the risk is a little more than 1 in 3.
  • Lung cancer accounts for more deaths than any other type of cancer in both men and women.
  • About 1,638,910 new cancer cases were expected to be diagnosed in 2012, and about 577,190 Americans were expected to die of cancer … more than 1,500 people a day.

But you can be prepared. A lump sum critical illness policy from American Income Life can help relieve some of the financial trauma a critical illness can create.

Sources: American Cancer Society: Cancer Facts & Figures 2012; American Heart Association, Heart Disease and Stroke Statistics 2013 Update

Ride the Wave at American Income Life!

Ride the wave at American Income Life

Ride the wave at American Income Life

Looking for that perfect wave?  How about a perfect career instead … one that lets you help others and make fantastic money doing it?

Today is the perfect time to be an insurance Agent at American Income Life. As the general population increases, so does the need for quality life insurance protection. But with more Agents retiring every year, the industry needs to attract new generations of Agents to replenish its resources. And you could be one of them!

What makes a great insurance Agent?
Good communication skills, honesty, integrity, compassion, and a solid work ethic are high on the list. But your previous work experience really doesn’t matter. When you sit in a room of insurance Agents like the ones at American Income Life, you find every type of occupation represented. Those in the hospitality industry, retail, paralegal, nursing, teaching, criminal justice, and transportation are attracted to insurance because of the potential for greater earnings, the satisfaction of helping others, and the desire for more flexible schedules. But young people new to the workforce are just as likely to be attracted to what the industry offers and to be successful.

What’s it Take?
An insurance Agent needs to be licensed in the States in which he sells but doesn’t need a college degree or other long-term training. You can start earning a great income NOW at a tenured company, such as American Income Life. All you need is a willingness to learn and a strong work ethic.

Becoming an insurance Agent is a smart move! Are you ready to take that all-important first step?

American Income Life Founder Bernard “B” Rapoport, Success

American Income Life Founder B. Rapoport

American Income Life Founder B. Rapoport

How is success measured?
If by the obtainment of wealth, then Bernard “B” Rapoport is successful.

If by the happiness an individual possesses, then too can Mr. Rapoport claim success.

And if measured by the difference an individual has made, the people they have affected, and the legacy they leave behind, then B might just be one of the most successful Texans of the past century.

Long before he was a corporate CEO of American Income Life, human rights activist, and one of America’s most generous philanthropists, B was a central Texas adolescent living through the worst economic disaster in our country’s history. It was in the midst of the Great Depression that B, now 94 years old, first observed the rampant poverty and racial inequality that permeated through not only Texas, but the rest of the Western world. His parents, both Russian immigrants, were quick to educate B of the hardships faced by so many like themselves, and in doing so, they instilled a fiery passion for change in young Bernard Rapoport.

In September of 1936, B began studying economics at the University of Texas. Six years later, with a degree in hand and an increasingly business-savvy mind, B met Audre Newman, a Waco native who shared – and continues to share – a passion for political change with her now-husband. Upon marrying, the two relocated to San Antonio, where B’s business career and, soon after, philanthropic career began to take shape.

In San Antonio, B worked for a number of years selling insurance. It wasn’t long before B opened his own agency, Pioneer American, in Audre’s hometown of Waco. The venture proved to be so successful that by 1951 – only two years after starting the business – B, with the help of $25,000 borrowed capital, founded another business: American Income Life. AIL would grow exponentially over the following decade, and following a stint in Indianapolis, B moved the emerging business’ home down to familiar territory in Waco.

Business went well for B – very well. With his newfound wealth, B was given the opportunity to support the causes and issues that impacted him so strongly as a youth and continued to impact him into adulthood: poverty, immigration, workers’ rights, education. A lifelong Democrat, B’s support of populist and socialist causes – undeniably affected by his early studies of Marx – was not limited to simply contributions; B established relationships with several prominent Democratic leaders, affording him a hands-on opportunity to present his view of a better society to prominent lawmakers such as Senator Ted Kennedy, Senate majority leader Tom Daschle, and President Bill Clinton.

With B no longer at the helm of American Income Life, B assumed a more active role in philanthropy, using $46 million of his own money to establish the Bernard and Audre Rapoport Foundation in 1986, its mission being to further promote peace, justice, and education. In addition to funding schools and youth programs in he and Audre’s hometown of Waco, the foundation funds scholarships to B’s beloved alma mater, the University of Texas, where B would serve as the University’s Board of Regents Chairman from 1993 to 1997.

B’s service and generosity to the University resulted in the Rapoport Center, an on-campus establishment that facilities dialogue among academics, advocates, and anyone else interested in combating the human rights violations and justice issues that Bernard “B” Rapoport has spent his life fighting against.

At 94 years young, B still resides in Waco alongside his wife of seven decades, Audre.

How would you personally define “success?” Would your definition include Bernard Rapoport? Would it include yourself? To learn more about the Bernard Rapoport charitable contributions visit the American Income Life official giving website.

American Income Life’s Blog

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!