American Income Life – In a Perfect World

You’ve probably asked yourself at some point, “What would a perfect world be like?” If you’re like most people, you’ve come up with some standard responses. In a perfect world:

  • There is no hunger because everyone has access to proper nutrition.
  • There is no war because leaders from every country understand and accept each other’s differences.
  • There is no racial intolerance because everyone understands and accepts we are all brothers and sisters regardless of skin color.
  • There is no religious intolerance because everyone understands and accepts we all worship the same god; we simply come from different directions.

Sounds great, doesn’t it? Unfortunately, the world has a long way to go to achieve it. But one thing you can do right now to make your world a better place is to provide your family and loved ones with financial security. How? You can purchase a quality life insurance policy from American Income Life.

You can’t change the world overnight, but you can improve your personal well being by making sure your loved ones are financially protected should the unthinkable happen. Learn more about American Income Life at www.ailife.com. Make your piece of the world a little more perfect!

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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.

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

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.

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