Family Protection

Could your family maintain its standard of living and achieve the dreams you share if you died unexpectedly? Today is the perfect time to think about life insurance to help protect your family financially. American Income Life also has additional products and services to help protect your family.

Final Expenses

The thought of dying or losing a loved one is never an easy topic. Too often, family members struggle between mourning the passing of their loved one, dealing with the division of personal effects left behind, and making funeral arrangements. Grieving is hard, but it’s much harder when there is a financial strain of paying for the final arrangements. American Income Life offers life insurance policies that can help with the financial burden during an already difficult time.

Grieving is hard, but it’s much harder when there is the financial strain of paying for final arrangements. The average cost of final expenses continues to rise, and these expenses can be higher depending on where you live.

Typical costs include:

  • Transporting of remains
  • Embalming or cremation
  • Preparation of the body
  • Facility fee for viewing and the ceremony
  • A hearse
  • Memorial cards and register book
  • A metal casket, urn, or vault

Expenses become even more overwhelming when you consider that Social Security only pays a $255 death benefit, and only if you qualify*. That still leaves all or most of the expenses for your family to cover. A life insurance policy from American Income Life can help cover these expenses and provide security for your family during their time of grieving.

Protect Your Children

Finances are an important part of your child’s future, and not something to be taken lightly. That’s where American Income Life comes in. Life insurance for your child is a wise investment in their future. Choose between term life, whole life, and the Head Start Program to determine which is best for your child.

Not sure which to pick? If your child (or grandchild) has just been born or is younger than age 17, choose the Head Start Program. If your child is in college, or just out of college, consider term life. Whole life is always a good option no matter the age.

Life Insurance for Children:

  • Whole Life Insurance
  • Term Life Insurance
  • Head Start Program

Education Insurance – If you died today, would your children be financially able to afford a good education and go to college? A life insurance policy from American Income Life can help protect that dream for them in the case of your untimely death. Be prepared and provide the best for your child.

Protection for Children:

No-Cost Child Safe Kit – Have your child’s information ready in case the worst possible situation occurs. This kit is endorsed by the Union of Police Associations and available to you at no cost. Find out more information here.

Child Education Protection

As a parent you hope to see your children go to college. You know the difference a college degree could make in your children’s future earning potential. But if you died and your income was no longer there to help your children with their future education, how would they afford to go to college? You can make plans now to ensure your child can afford to attend college if you aren’t there to help pay for it. Don’t let them miss out on the opportunity to provide for their families, as well as a lifetime of extra earnings.

You know the difference a college degree can make in your children’s future earning potential. Your unexpected death could mean your children won’t be able to afford a college education. They could miss out on this opportunity and a lifetime of extra earnings.

The total average cost for in-state tuition, fees, and room and board for a public four-year college continues to rise. If the price of sending a child to college increases four percent annually for the next 10 years, sending your child to college will cost more than $100,000.

According to the College Board, a one hundred-year-old nonprofit organization, a typical college graduate with a bachelor’s degree can expect to earn 73 percent more over a lifetime than the typical high school graduate. You can make plans now to help your child afford to attend college if you aren’t there to help pay for it. Don’t let them miss out on the opportunity to provide for their families, as well as a lifetime of extra earnings.

Mortgage Protection

With a term life insurance policy and accidental death benefit from American Income Life, you can make sure your family is provided for financially in the event of your death.

The purchase of your house is most likely the single largest investment your family ever makes. But a house is more than just an investment. It’s your home. Your home is where your memories are, where your family feels safe, and where you have chosen to raise your children. It’s the centerpiece for your family’s life.

But all that can change in the blink of an eye. If you died, how difficult would it be for your family to make the mortgage payments each month without your income? American Income Life’s life insurance policy can mean the difference between your family keeping their house, or having to go into debt, or worse.

Monthly Income Protection

How important is your income to your family? If you lost your job for six months, how would your family cope financially? Being out of work causes a financial strain on a family. Even more devastating would be their permanent loss of your income when you die. You can help your family now by planning to provide life insurance coverage from American Income Life for income replacement when you die.

Help your family now by providing life insurance coverage for income replacement when you die. When you die and your family no longer has access to your monthly income, where will they get money for:

  • Rent or mortgage
  • Car payments
  • Utility bills
  • Food
  • Medical bills and health insurance
  • Clothing
  • Child care

Being out of work causes a financial strain on a family. But even more devastating is their permanent loss of your income when you die. It’s recommended you provide up to five years of income replacement to take care of your family after you’re gone.

Head Start Program

You love your kids or grandkids. They add a dimension to your life that enhances the quality and value of everything you do. American Income Life understands that you want your kids or grandkids to have the best possible future … a future where they can grow to become happy, secure, productive people. With our whole life policy, you can give them a head start.

The Head Start Program from American Income Life is available for children ages 0 to 17. It serves as a vehicle for parents or grandparents to purchase life insurance coverage for a child or grandchild when it is least expensive. This life insurance can last a lifetime and grow with your child or grandchild in value as they get older.

Your child or grandchild initially must be in good health to qualify for the coverage. They can maintain this coverage for the rest of their life and the rates never increase. Even if their health changes or they have a high-risk job, the rates never change!

The policy benefit can never be reduced, and the policy cannot be canceled as long as premiums are paid on time, even if your child’s health changes.

Don’t Wait Any Longer. Contact Us Now!