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.

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.

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