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!

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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

Family Life Insurance – Tips and Benefits

family life insurance tips

Most people try to be prepared before starting a family. Couples usually consider if a house is big enough, their income, jobs stability, and if they know anyone reliable in case something happens.

At American Income Life we provide life insurance coverage and help young families in case of an unpredicted accident. So along with the fun stuff like decorating your new home, deciding on your baby’s name, and choosing your vacation as a family, also think about the crucial things, like life insurance.

Life insurance is very important especially when you’re considering having a child. A life insurance policy can relieve some of the final expenses which result from the death of a loved one.

Family life insurance can be very helpful with covering future expenses. We all want the best for our children. What if we don’t get the chance to help them receive the best education? That’s where your life insurance can make things a little easier and support your children with tuition costs in the event of your death.

Secure your family’s future by getting a life insurance policy. American Income Life can assist you if you have additional questions