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!

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.

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 – 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

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

American Income Life Working Class Heroes

When you think of superheroes, who comes to mind? Superman, Batman, and Wonder Woman are all obvious answers, but there’s one problem — those heroes are fictional. They don’t exist.  Now think realistically. Firefighters, policemen, and soldiers help protect people every day. But wait — don’t insurance Agents do the same thing? Often overlooked, the job of an American Income Life Agent is both honorable and noble. Agents are living, breathing, working class heroes.

Kids idolize superheroes for their superpowers, heroic battles, and flashy costumes. Who says Agents don’t have the same qualities, but on a realistic level? American Income Life Agents have the power to sell life insurance and supplemental health insurance, both of which help provide protection to policyholders and their loved ones.  They have the power of persuasion — to use their stellar presentation skills to convince prospects of the importance of life insurance.  They also have the power to help. American Income Life Insurance Agents are there for customers during the darkest days of their lives, helping them pick up the pieces and deal with adversity.

Agents wage heroic battles against the evil What If Monster by offering customers protection against the “what if’s” in life. What if you died unexpectedly? What if you were diagnosed with cancer? What if you suffered a stroke? What if you died in an accident – would your loved ones be able to grieve, or would they struggle to financially stay afloat? Consider each one of these “what if’s” a demon that you can help American Income Life policyholders combat.

I know you’re wondering about the flashy costumes, right? Just because capes aren’t appropriate in a business professional environment doesn’t mean you’re not a hero. Now don your invisible superhero cloak, get out there, and start helping people!

Life Insurance 101 – American Income Life Answering Your Questions

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