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American Income Life Insurance is one of the rare insurance companies devoted to the development in life standards of the working population in the United States, Canada and New Zealand. The company has added value to its service by answering the concerns of the common people in the past decade. To safeguard the customers’ needs is part of their goals and ethical business practice is the cornerstone of business activities.

 

The ‘Term’ policy of American Income Life Insurance is ideal for satisfying the policy needs for a relatively short period. ‘Term’ policy is largely affordable and hence can be used to supplement an existing policy. The amount of the policy is adjustable to give appropriate coverage to policyholders. The death benefit is payable within the policy period and the premium is payable throughout the period .The policy also has renewal and conversion facility and the amount of the new policy depends on the face value of the existing policy at the time of conversion.

 

American Income Life Insurance has developed ‘Freedom of Choice’ – the Final Expense Plan which is basically a ‘Whole Life’ insurance plan to provide the beneficiaries with financial support after the death of a loved one. This includes immediate needs such as funeral expenditure and other expenses to fulfill social customs. Besides, it has the standard features of whole life coverage and guaranteed death benefit. The premium is payable throughout life and the death benefit is payable in full regardless of the time of the policyholder’s death.

 

American Income life Insurance provides various supplemental insurance policies for emergency needs of customers. The ‘Accident Policy’ provides benefit for accidental death as well as treatment. ‘Hospital Indemnity’ is a fixed amount payable to policy holders when hospitalized due to illness or accident. ‘Cancer Protection’ policies cover treatment cost if a policyholder is diagnosed with cancer. Such beneficial policies are also available for Critical and terminal illness.

 

American Income Life Insurance monitors its activities according to feedbacks from reliable resources like the annual Report to the Labor Advisory Board to ensure that the emerging needs and the changing priorities of the concerned customers are taken care of. This has been done by maintaining long term relationships with customers. They make sure of every detail regarding their budget constraints, short tem and long term preferences and main expectations from a policy. The desire to serve the common people is the motivation and they are passionately steered in that direction.


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