A Special Gift from American Income Life

A 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.

American Income Life – It Can Happen To You…

When you’re young, you feel invincible. Accidents can’t happen to you. Accidents only happen to other people.

As you get older, however, and become more aware of the ‘real’ world, you realize that’s not the case.  Accidents can happen to you. As a matter of fact, accidents can happen any time to any one and affect every age group.

  • In a 2012 study by Safe Kids USA, parents report one in three children who play team sports receive injuries severe enough to require medical treatment.
  • According to the Centers for Disease Control and Prevention (CDC), young people ages 15-24 account for 30 percent of the total cost of motor vehicle injuries among males and 28 percent of the total cost among females.
  • According to the CDC, one in three adults age 65 and over fall every year, and those falls are the most common cause of nonfatal injuries and trauma hospitalizations for Seniors.

No one is immune to accidents. Doesn’t it make sense to protect yourself and your family with a policy from American Income Life? AIL offers an accident policy that pays cash benefits for accidental injury.  It’s guaranteed renewable and cannot be canceled as long as premiums are paid on time. Protect yourself and your family, because you never know when an accident will happen. Go to www.ailife to learn more about American Income Life.

Love … Marriage … American Income Life Insurance!

American Income Life - holding hands

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.

Help Protect Your Financial Future at American Income Life

Family security is American Income Life's number one priority

Family security is American Income Life’s number one priority

Life is uncertain, so we want to live every day with enthusiasm and energy. But that’s not always easy for a cancer patient. The disease itself, chemotherapy, and radiation often leave a patient mentally and physically drained. If the patient can’t work during treatment, there may be the added worry about how to pay the bills.

According to the American Cancer Society:

– Approximately one in two men and one in three women will get cancer in their lifetime.
– 65 percent of cancer-related expenses are not covered by regular health insurance.

People think of cancer-related expenses as the costs for CT scans, PET scans, blood tests, chemotherapy, radiation, etc. But those are just part of the costs of cancer. How will you pay for travel, meals, and lodging if you need to seek treatment at a facility far from home? How will you cover the mortgage, utilities, groceries, car payments, etc., if you are unable to work? A cancer policy can help to ease those financial concerns.

Most American Income Life cancer plans are designed to pay a lump sum cash payment for the first written diagnosis of cancer. Generally, benefit options range from $10,000 to $50,000. Benefits are paid directly to you with no restrictions on how you spend the money and are paid in addition to any other insurance you have.  Pay bills or take a much-needed vacation. It’s up to you!

If you agree it’s time to protect yourself and the ones you love from the financial effects of this dreaded disease, American Income Life can help.

Life Insurance 101 – American Income Life Answering Your Questions

American Income Life insurance tips 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

Top Reasons Why You Need Life Insurance

life insurance from American Income LifeWhile the concept of life insurance implies a certain sense of morbidity, the truth is that, eventually, we all die. At American Income Life we believe that life insurance protects the dependents of the policyholder, provides income while the family adjusts to the loss of the breadwinner, funds specific financial goals, and pays for debt and taxes. With nearly two-thirds of Americans living in middle-income households, going without life insurance can prove to be a fatal mistake.

Accidents and illnesses happen. Life insurance is a selfless way to help make sure your loved ones can survive financially without you. Everyone agrees that it’s important to insure your car in case of an accident, but what if that accident turns deadly? Life insurance is necessary for the ‘what ifs’ in life.

A life insurance policy from American Income Life can help allow the family time to grieve without worrying about returning to work immediately. Consider it one last act of love and kindness to help fund costly funeral and burial arrangements.

Another advantage of life insurance is that it can help fund specific financial goals. Since life insurance can help pay off a mortgage or send children to college, it’s important to be insured when purchasing a home or starting a family. When the breadwinner is no longer alive to save for these endeavors, a portion of the policy’s death benefits can be set aside for necessary funding.

Purchasing life insurance before it is needed will help protect loved ones from significant debt and taxes following the policyholder’s death. A prolonged illness can rack up medical bills, while property taxes can cause additional headaches for the family.

In life, no one is immortal. When people are dependent on you, it’s important to buy a life insurance policy before it’s too late. Accept the inevitable and continue providing for your family posthumously. Visit American Income Life to learn more about the available life insurance products.

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.

American Income Life insurance products

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