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LIFE INSURANCE PRODUCT
Life Insurance
It’s not about you. Life insurance is something you do to help protect those you love so they don’t suffer financially if your income is no longer there. Life insurance can be the only thing that stands between your loved ones and financial hardship.
Supplemental Health Insurance
Our supplemental insurance products complement any insurance you may already have in place and pay in addition to any other coverage you have. No “primary/secondary” rules. You get the benefits you signed up for.
No-Cost Products
American Income Life offers a variety of no-cost products to help provide valuable protection for you and your family.
WHOLE LIFE INSURANCE
Benefits of a whole life policy
Provides coverage for your entire life
Lifetime rates will never increase for any reason. The rate you pay when the policy is issued is locked in for life.
Build Cash Value
This whole life insurance policy builds cash and loan valuefor the future.
Coverage Can Never Be Reduced
Premiums never increase during ownership of your whole life policy
Benefits Can Never Be Canceled or Reduced
Once approved, your whole life insurance benefit will never be canceled or reduced as long as premiums are paid on time.
TERM LIFE INSURANCE
Benefits of a Term life policy
Provides coverage for a limited period of time
After that period, policyholders typically pay increased premiums to continue coverage
Usually less expensive than whole life insurance
Accident and Supplemental Health Insurance
Being prepared is important… especially if you develop a health problem like cardiovascular disease, stroke, cancer, or are involved in an auto accident that lands you in intensive care. These events can impact not only your health, but also the financial wellbeing of your family. American Income Life can help you be more prepared to face the future.
Our accidental and supplemental insurance products complement any insurance you may already have in place and pay in addition to any other coverage you have. No “primary/secondary” rules. You get the benefits you signed up for.
Insurance Information
The thought of an accident taking the life of a loved one is very troubling. No matter what your age or circumstances, you or a family member could be a victim. Picture your family trying to make ends meet without your paycheck. Just as accidents happen in an instant, the lives of your loved ones are changed in that same instant. AIL's A71 accident policy pays cash benefits for accidental injuries. The A71 is guaranteed renewable and cannot be canceled as long as premiums are paid on time. This is an accident-only policy. Complete details of the benefits, terms, conditions, and exclusions of specific policies and availability should be obtained from the agent or American Income Life.
When cancer strikes, it shows no favoritism. Everyone is at risk. Medical advances have increased chances of survival, but surviving a cancer diagnosis often causes financial hardship for families whether the patient is the primary wage earner or another member of the family. The majority of working men and women don’t have the financial resources to survive while they are unable to work. Our Supplemental Cancer plans may help offset the financial burden. Complete details of the benefits, terms, conditions, and exclusions of specific policies and availability should be obtained from the agent or American Income Life. THIS IS A CANCER ONLY POLICY.
How would you handle a critical illness? Could you pay your bills and take care of your family financially if you were unable to work for weeks… or months? What is your risk of having a critical illness? With people living longer, they’re more likely to experience a critical illness like a heart attack or stroke. How would you pay deductibles, copayments, or coinsurance and other out-of-pocket medical expenses related to your illness? A critical illness policy can mean the difference between financial security and financial hardship. The benefit can help ease your financial burden and lessen your worry. Complete details of the benefits, terms, conditions, and exclusions of specific policies and availability should be obtained from the agent or American Income Life. THIS IS A LIMITED POLICY.
WHAT WE OFFER
Higher Death Benefit At Affordable Price
At American Income Life, we believe in safeguarding your tomorrows while supporting your todays. Established with a mission to provide individuals and families with reliable and comprehensive life insurance solutions, we have been a trusted partner for financial security for over 70 years.
Tax Benefits
If you are down with a major or critical illness, there is a high chance you will not be able to earn income during the treatment or recovery period, but your family’s financial needs will remain even if you are sick.
EXCEPTIONAL FINANCIAL FLEXIBILITY
“Not only are you able to provide lifelong coverage for your loved ones, but also valuable assets, You also get loan opportunities that can help you seize opportunities, navigate unexpected expenses, and build a secure future.
ABOUT US
American Income Life is an international company protecting working families in the United States, Canada, New Zealand, and through our wholly-owned subsidiary, National Income Life Insurance Company in New York.
American Income Life has served working class families since 1951 with life, accident, and supplemental health products to help protect members of labor unions, credit unions, associations, and their families. AIL representatives develop longterm relationships with clients and meet them where they are most comfortable: their homes.
TESTIMONIALS
Henry Williams
I can't express how relieved I am to have purchased a life insurance policy through American Income Life. It's not something most of us like to think about, but having that financial safety net in place has provided me with tremendous peace of mind.
Sophia Emmel
From the moment I first contacted American Income life, their team was incredibly helpful and patient. They took the time to explain all the different policy options, helping me choose the one that best suited my needs and budget. I never felt pressured or rushed into making a decision, which was greatly appreciated.
Victor Michael
One of the things that stood out to me was the affordability of the policy. I expected life insurance to be much more expensive, but American Income Life offered competitive rates that fit comfortably into my monthly budget. Knowing that I'm providing for my family's financial future without breaking the bank is a tremendous relief.
FAQS
You have bought the policy and received the company's guarantee that if you die during the term of the policy, it will pay a death benefit to your beneficiary.
Whole life insurance provides coverage for your entire life and builds cash value over time, while term insurance offers coverage for a specific period, typically 10, 20, or 30 years, without accumulating cash value.
All policies are not the same. Some give coverage for your lifetime, and others cover you for a specific number of years. Some build up cash values, and others do not. Some policies combine different kinds of insurance, and others let you change from one kind of insurance to another. Some policies may offer other benefits while you are still living. There are two basic types of life insurance: term insurance and permanent insurance.
Read your policy. It has a table of cash values that should provide the answer. Call your agent if you are still not sure of the cash value amount.
Some insurance policies allow you to convert a term policy into a whole life policy at certain points, giving you the flexibility to adapt your coverage as your needs change.