AIL Clients and No-Cost Benefits

Besides term life and whole life insurance, there are additional products provided by American Income Life Insurance Company (AIL) to the members of the group Associates partner with.

• ACCIDENTAL DEATH & DISMEMBERMENT PROTECTION - Provided at no cost to all primary members. For members in good standing with certain groups, there is also partial coverage for spouse and children.
• HEALTH SERVICES/VISION CARE DISCOUNT PROGRAM – Provides point-of-purchase discounts on a variety of health related services. Program is provided at no cost, but does have a small processing fee. Canada has Vision Care Discount programs.
• FAMILY INFORMATION GUIDE - Designed to provide a format for vital family information including location of accounts and policy numbers, for quick access in case of an emergency.
• CHILD SAFE KITS - Endorsed by the International Union of Police Associations, each Child Safe kit provides crucial information necessary for the quick and safe recovery of our children.

In addition, all American Income Life Insurance policies offer a Terminal Illness, Strike Waiver, and a Layoff Waiver Protection.

• Terminal Illness protection
  If the Insured has a Terminal Illness, this allows the insured to receive up to 50% of the policy’s Death Benefit while alive.
• Strike Wavier
  If union goes on authorized strike, sympathy strike, or lockout, American Income will waive the insurance premiums for up to 12 months.
• Layoff Waiver
  If a significant layoff occurs, American Income will waive the insurance premiums for up to 3 months and the premiums never have to be repaid.