American Income Life
What Makes Life Insurance the Perfect Gift?
The Perfect Gift - Life Insurance by American Income Life
It’s that time of year when everyone is searching for that perfect gift. But most people overlook one of the most valuable and thoughtful gifts of all: life insurance.
Most people in the world have a need for life insurance. It doesn’t matter how old you are, if you’re employed, or if you’re single or married. Since the future is unpredictable, it’s common sense for everyone to go ahead and prepare for the unexpected. Purchasing a life insurance policy to help protect their families would be a great first step.
According to LIMRA, 95 million Americans are uninsured or underinsured because they believe life insurance is too expensive, they don’t know enough about it, and they are reluctant to purchase it*. An astounding quarter of these underinsured households report that they haven’t even been approached to purchase life insurance!
Consider the following reasons people are underinsured:
They think life insurance is too expensive
American Income Life has a wide selection of supplemental life and health insurance products and face amounts to fit virtually any prospect’s need and budget.
They don’t know enough about it
American Income Life's insurance sales representatives are licensed and highly experienced. They know all about the products American Income Life offers and will come to your door with a multimedia presentation that will answer most, if not all, of your questions.
They haven’t gotten around to it
As a Company, American Income Life believes the best place to sell is where the customer feels the most comfortable: in the customer’s own home. An insurance Representative would be happy to meet with you whenever it’s convenient.
Since this season is one of generosity and giving, what’s a better gift to give than life insurance? Learn more about life insurance and supplemental products from a respected company with strong financial strength ratings. American Income Life official company website has a wide variety of videos and useful information to get you started on the education of supplemental insurance products.
Most people in the world have a need for life insurance. It doesn’t matter how old you are, if you’re employed, or if you’re single or married. Since the future is unpredictable, it’s common sense for everyone to go ahead and prepare for the unexpected. Purchasing a life insurance policy to help protect their families would be a great first step.
According to LIMRA, 95 million Americans are uninsured or underinsured because they believe life insurance is too expensive, they don’t know enough about it, and they are reluctant to purchase it*. An astounding quarter of these underinsured households report that they haven’t even been approached to purchase life insurance!
Consider the following reasons people are underinsured:
They think life insurance is too expensive
American Income Life has a wide selection of supplemental life and health insurance products and face amounts to fit virtually any prospect’s need and budget.
They don’t know enough about it
American Income Life's insurance sales representatives are licensed and highly experienced. They know all about the products American Income Life offers and will come to your door with a multimedia presentation that will answer most, if not all, of your questions.
They haven’t gotten around to it
As a Company, American Income Life believes the best place to sell is where the customer feels the most comfortable: in the customer’s own home. An insurance Representative would be happy to meet with you whenever it’s convenient.
Since this season is one of generosity and giving, what’s a better gift to give than life insurance? Learn more about life insurance and supplemental products from a respected company with strong financial strength ratings. American Income Life official company website has a wide variety of videos and useful information to get you started on the education of supplemental insurance products.
The Psychology of a Sale
How to build loyal customer with American Income Life
If you work in sales, like we do at American Income Life, you’ll want to pay attention. Selling
something is not as simple as walking up to a person and asking them to buy
what you have. Try that direct approach with someone and you’ll probably get a
“no.” But what affects the decision making of a potential customer?
There are five steps in this mental process that almost every consumer goes through when in a sales situation:
1. Reluctance
2. Realization of a problem
3. Desire to solve problem
4. Sales procedure
5. Final decision
Reluctance is where you’ll most likely encounter “I’m not interested.” Until you have the customer’s attention, they won’t consider what you’re selling. An effective approach should put the customer at ease and get their attention. Tell them who you are, why you’re there, and how they can benefit from what you have to offer.
Realization of a problem works best when the customer does this on their own. Open dialogue and opinion-based questions will involve your potential customers, capture their attention, and allow them to discover their own problems.
This next step: a desire to solve the problem, occurs right after the customer identifies a problem they have. If your product can help solve it, then you can begin your sales pitch.
The sales procedure is your chance to show the potential customers why your product is a good solution for their problem. You have to market your product in a way where the best features appear as major advantages to the individual customer.
Then, your customer will have to make a decision. If you’ve adequately presented your sales procedure, it could have a positive outcome.
If your customer naturally overcomes these stages, you will build loyal clients, not reluctant customers. When you understand the psychology involved in making a decision to purchase a product, you can use it to your advantage. Remember everyone is different. Be patient and trust your instincts. Good luck!
If you are considering a career in insurance sales, please contact American Income Life to ensure working for a financially stable company.
There are five steps in this mental process that almost every consumer goes through when in a sales situation:
1. Reluctance
2. Realization of a problem
3. Desire to solve problem
4. Sales procedure
5. Final decision
Reluctance is where you’ll most likely encounter “I’m not interested.” Until you have the customer’s attention, they won’t consider what you’re selling. An effective approach should put the customer at ease and get their attention. Tell them who you are, why you’re there, and how they can benefit from what you have to offer.
Realization of a problem works best when the customer does this on their own. Open dialogue and opinion-based questions will involve your potential customers, capture their attention, and allow them to discover their own problems.
This next step: a desire to solve the problem, occurs right after the customer identifies a problem they have. If your product can help solve it, then you can begin your sales pitch.
The sales procedure is your chance to show the potential customers why your product is a good solution for their problem. You have to market your product in a way where the best features appear as major advantages to the individual customer.
Then, your customer will have to make a decision. If you’ve adequately presented your sales procedure, it could have a positive outcome.
If your customer naturally overcomes these stages, you will build loyal clients, not reluctant customers. When you understand the psychology involved in making a decision to purchase a product, you can use it to your advantage. Remember everyone is different. Be patient and trust your instincts. Good luck!
If you are considering a career in insurance sales, please contact American Income Life to ensure working for a financially stable company.
How We Handle Customer Objections at American Income Life
Handling Customers' Objections
Every American Income Life representative
experiences customer objections from prospects. It’s part of the job. However,
an objection does not necessarily mean a sale is doomed. There are ways to handle
objections from your prospects that are very effective and can help you close
sales on which you may otherwise have given up.
Do any of the following sound familiar to you?
Although many of your meetings may run smoothly, you are bound to encounter objections from some of your prospects. Don’t think of objections as roadblocks. Think of them as opportunities to provide additional information. Always handle objections positively:
Acknowledge the objection, diffuse the objection, and move on. If your prospect tells you he or she is too busy, convey your understanding of their busy schedule and ask to arrange a time that is convenient for him or her.
A great way to prepare for an objection is to role play with other American Income Life representatives, family members, or friends. Try to use difficult objections in order to come up with the best responses.
Remember, don’t think of objections negatively; they are opportunities to provide more information to prospects. As you become more informed, your confidence will increase and you’ll become a selling power house to American Income Life. Seize your ‘opportunity unlimited!’
How do you handle objections? Do you prepare for them, or do you have something you always say that keeps objections at bay?
Do any of the following sound familiar to you?
- Are you trying to sell me something?
- I already have a plan.
- Could you just mail it?
- I’m too busy.
- I can’t afford more insurance.
- I’m not interested.
- Let me think about it.
Although many of your meetings may run smoothly, you are bound to encounter objections from some of your prospects. Don’t think of objections as roadblocks. Think of them as opportunities to provide additional information. Always handle objections positively:
Acknowledge the objection, diffuse the objection, and move on. If your prospect tells you he or she is too busy, convey your understanding of their busy schedule and ask to arrange a time that is convenient for him or her.
A great way to prepare for an objection is to role play with other American Income Life representatives, family members, or friends. Try to use difficult objections in order to come up with the best responses.
Remember, don’t think of objections negatively; they are opportunities to provide more information to prospects. As you become more informed, your confidence will increase and you’ll become a selling power house to American Income Life. Seize your ‘opportunity unlimited!’
How do you handle objections? Do you prepare for them, or do you have something you always say that keeps objections at bay?
American Income Life Tips to Help You Thrive in Insurance
At American Income Life the sky is the limit!
Regardless of what’s happening outside of their agencies — with the economy, other businesses, or other people — new Agents must ensure their own vision and clarity. They must navigate the common challenges, the ups and downs which come with entrepreneurship. The excitement and creativity of challenge, and the satisfaction that comes with persevering through challenge are some of the reasons that most successful Agents opt for controlling their own destiny.
The experience can seem somewhat isolating and even overwhelming at times. It helps to shore up the toolbox with helpful planning, guidance and resources. Here are several tips from American Income Life to help you THRIVE:
• Know what you’re doing, and why.
All of us get into our ruts and routines. Unfortunately, old ruts and routines can become like old shoes that never fit well and need to be replaced. Take time at least once a year for a major bird’s eye view of your business and career. Then do check-ins at least once a quarter. Gauge whether you’re still on track with an authentic, meaningful vision.
• Strengthen and master your mindset.
Mindset management practices can help create a valuable “stress buffer.” It can increase the likelihood of good decision-making, more positive relationships, better communication, skillful authenticity — and a greater capacity to gracefully navigate the inevitable challenges you will encounter in your career.
• Learn to see possibility and meaning.
Optimistic thinking and learning to find meaning in both peaks and challenges improves not only the experience of your life but your health as well. Your thinking is magnetic, which means that your situation reflects your thinking (and perhaps vice versa). Optimistic thinking isn’t the natural path for many people, particularly those whose gifts are more critical-thinking or who are undergoing challenges without having expanded their “stress buffer.” Successful Agents benefit from being able to see the possibilities. They find meaning in everything from self employment itself to the myriad of individual experiences and challenges it brings.
• Build a network of guides and peers.
No man (or woman) is an island; yet quite a few people feel isolated from time to time. Some leaders feel isolated more frequently. There are steps you can take to lessen such isolation and create a supportive community with kindred spirits. They range from scheduling coffee or lunch with others with whom you have things in common (similar business situations, other interests), to networking by email with peers who may not live in your region. Many successful people in our company persevere and develop friendships with other successful people, join professional organizations and have an informal board of advisors to whom they can turn for more specific guidance throughout the year. Create the type of support network that works best for you.
• Refine your communication skills.
Just about everything we do – recruiting, sales, customer service, management – involves communication. Most people think they’re excellent communicators. Most surveys show that good communicators are at a premium, which means that most people have mediocre (or worse) communication skillfulness. You can improve your communication skills. Listening well, speaking clearly, ensuring good intentions, not assuming, asking good questions – all are elements of effective, skillful communication, and all can easily be learned and practiced.
• Take care of yourself.
One straight-to-the-point saying reminds us that we get out of something what we put into it – garbage in, garbage out. Why then, do so many people neglect their own development, and their mental, spiritual and/or physical wellness? Some people actually seem embarrassed to be taking care of themselves, like it’s some selfish luxury. It makes sense to have a spiritual or philosophical practice, to get good nutrition, to drink enough water, to get enough exercise of a type we enjoy. Take time away from work to relax and allow some space for new ideas, new momentum, and new possibilities to emerge.
Visit the American Income Life official blog to read more sales tips and success stories.
American Income Life Agents Are Above Average
Strive for the best with American Income Life
Flashback to 1956! This article is from an American Income
Life affiliate. It was published in June of 1956. More than half a century
later, AIL has the same standards for hiring the best of the best. But what
does it take to be better than average?
Being average means being in the group with most people who are not as good as the best, nor as poor as the worst. It’s really not an achievement to be average. Yet many people settle for it. As long as they’re holding their own and keeping pace with most of their colleagues, they’re content.
It isn’t hard to be average, but it’s also not really hard to be better than average. It calls for more work effort. But it also calls for more time on the job, better planning, and better follow-through. And, most importantly, it calls for better-than-average thinking.
The fellow who is better than average is discontent – not with his job, but with the way he’s been doing his job. These are additional characteristics of better-than-average people:
If you’re considering supplemental life insurance, or would just like more information on American Income Life, let us know. Why settle for less than the best? Even after 50 years, AIL’s insurance representatives continue to be better than average (at the worst). To learn more about life insurance, visit American Income Life. Our representatives would be happy to talk with you about the products and services we offer.
Being average means being in the group with most people who are not as good as the best, nor as poor as the worst. It’s really not an achievement to be average. Yet many people settle for it. As long as they’re holding their own and keeping pace with most of their colleagues, they’re content.
It isn’t hard to be average, but it’s also not really hard to be better than average. It calls for more work effort. But it also calls for more time on the job, better planning, and better follow-through. And, most importantly, it calls for better-than-average thinking.
The fellow who is better than average is discontent – not with his job, but with the way he’s been doing his job. These are additional characteristics of better-than-average people:
- They believe in life insurance wholeheartedly
- They are genuinely interested in people and their problems
- They are completely honest and sincere
- They talk convincingly, because they know what they’re talking about
- They don’t label something as ‘impossible’ until they have tried to do it
- They have learned to distinguish what is important from what is unimportant
- They train their memory to work for them because they know a good memory is one of a salesman’s best tools
- They do all they’re required to do – and a little bit more
If you’re considering supplemental life insurance, or would just like more information on American Income Life, let us know. Why settle for less than the best? Even after 50 years, AIL’s insurance representatives continue to be better than average (at the worst). To learn more about life insurance, visit American Income Life. Our representatives would be happy to talk with you about the products and services we offer.
American Income Life Guide to Successful Time Management
American Income Life Guide for Time Management
We only get 24 hours in a day. That may sound like a lot,
but consider that up to one third of that time is spent asleep. That leaves us
with only 16 hours to accomplish our many daily tasks. This is why time
management is so important. It’s easy to
succeed if you manage your time correctly. But what are major time wasters? How
can you avoid them?
THE THIN MAN COMPLEX
If you do too much at once, you could be spreading yourself too thin. As a result, you might not do many of those tasks efficiently. What should you do? Delegate! If you have competent people at your disposal, make use of them!
JUST SAY “NO”
It isn’t possible to say “yes” all the time. Take what you must do and what you want to do, and then say “no” to everything else.
IT WON’T STOP RINGING
You need to be accessible to your customers, but at what cost? Use an answering machine when you are too busy to take calls. Then pick a specific time to return phone calls every day.
JUST DO IT
Indecisiveness leads to postponement, which isn’t very effective. Make a decision, do the task, and move on.
TALKATIVE TED OR JABBERING JOE
Once you get sidetracked, it’s sometimes difficult to get back on track. If you don’t have time for chitchat in the office, just say so. Your colleagues will respect you for your honesty.
LOST IN PAPERWORK
No matter what it is, address it once, and move on to the next item. Don’t let paper sit on your desk for more than a day.
If you’ve mastered the art of time management and are ready for a true challenge, try an opportunity at American Income Life! You can learn about life insurance from a respected company with strong financial strength ratings. American Income Life has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/11). To learn more time management tips and read success stories from real managers, visit the American Income Life official blog.
Sources: The Art of Time Management, William L. Moore, CLU, ChFC; “Perfecting the Art of Time Management,” CV Subramaniam; Communication Briefings, Volume XX, No. 1
THE THIN MAN COMPLEX
If you do too much at once, you could be spreading yourself too thin. As a result, you might not do many of those tasks efficiently. What should you do? Delegate! If you have competent people at your disposal, make use of them!
JUST SAY “NO”
It isn’t possible to say “yes” all the time. Take what you must do and what you want to do, and then say “no” to everything else.
IT WON’T STOP RINGING
You need to be accessible to your customers, but at what cost? Use an answering machine when you are too busy to take calls. Then pick a specific time to return phone calls every day.
JUST DO IT
Indecisiveness leads to postponement, which isn’t very effective. Make a decision, do the task, and move on.
TALKATIVE TED OR JABBERING JOE
Once you get sidetracked, it’s sometimes difficult to get back on track. If you don’t have time for chitchat in the office, just say so. Your colleagues will respect you for your honesty.
LOST IN PAPERWORK
No matter what it is, address it once, and move on to the next item. Don’t let paper sit on your desk for more than a day.
If you’ve mastered the art of time management and are ready for a true challenge, try an opportunity at American Income Life! You can learn about life insurance from a respected company with strong financial strength ratings. American Income Life has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/11). To learn more time management tips and read success stories from real managers, visit the American Income Life official blog.
Sources: The Art of Time Management, William L. Moore, CLU, ChFC; “Perfecting the Art of Time Management,” CV Subramaniam; Communication Briefings, Volume XX, No. 1
Nothing is for Free, Especially Not Life Insurance
American Income Life insurance
Richard Harris of The Wealth Strategies Journal recently
posted a life insurance-related article. The article, “Borrowing to Finance
Life Insurance Premiums: What Professionals Need to Know” reviews the Irrevocable
Life Insurance Trust (ILIT). ILIT is a process of borrowing a life insurance
benefit, and using it to pay the premium. It makes it seem like the life
insurance policy is free.
However, it’s important to realize there is no such thing as free life insurance. ILITs borrow money to pay for premiums. The money is taxed on an interest rate each time it’s borrowed. The owner of the policy can pay these charges annually, or chose to accrue the interest payments. If they choose to pay it annually, the policy owner may be taxed on their payment.
Life insurance can be complicated. That’s why it’s best to work with an experienced insurance Agent. Don’t be fooled by a shady sales pitch. If you need more time to research products, let your Agent know. Also research the insurance company and look for its financial strength ratings. A responsible Agent won’t let you purchase more life insurance than you need, or can afford.
American Income Life Insurance Company has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/11). To talk with an American Income Life Representative today about supplemental life insurance, or just to do some additional research on whole life or term life policies, visit the American Income Life official website.
Note: at this time American Income Life does not offer ILIT policies.
Source: http://www.forbes.com/sites/lewissaret/2011/09/17/nothing-is-for-free-especially-not-life-insurance/
However, it’s important to realize there is no such thing as free life insurance. ILITs borrow money to pay for premiums. The money is taxed on an interest rate each time it’s borrowed. The owner of the policy can pay these charges annually, or chose to accrue the interest payments. If they choose to pay it annually, the policy owner may be taxed on their payment.
Life insurance can be complicated. That’s why it’s best to work with an experienced insurance Agent. Don’t be fooled by a shady sales pitch. If you need more time to research products, let your Agent know. Also research the insurance company and look for its financial strength ratings. A responsible Agent won’t let you purchase more life insurance than you need, or can afford.
American Income Life Insurance Company has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/11). To talk with an American Income Life Representative today about supplemental life insurance, or just to do some additional research on whole life or term life policies, visit the American Income Life official website.
Note: at this time American Income Life does not offer ILIT policies.
Source: http://www.forbes.com/sites/lewissaret/2011/09/17/nothing-is-for-free-especially-not-life-insurance/
Success Story from American Income Life Agent
What is success?
“From what we get, we can make a living; what we give,
however, makes a life.” - Arthur Ashe
American Income life agent talks about the symbol of a successful person - is it a fancy car? Nice clothes? Or is it someone who strives to do their best each and every day?
When I was a young Agent at American Income Life, there was a small group of us that was highly competitive. Our rivalry began with meager stakes to match our meager wallets. When the leader boards came out each week, the lowest man on the totem pole had to buy lunch for the group.
As we worked harder and began making more money, it was no longer enough to best each other on the leader boards. No, the entire world had to know what hot shots we were! It all started with the suits. Dress for success, right? One guy came in with this really sharp, custom-tailored suit that he had paid (at the time) a small fortune for. Not to be outdone, the following week we all sported custom-made suits, and soon we were wearing high-dollar duds every day of the week.
The rivalry continued to escalate. The symbols of wealth became more and more ostentatious, culminating in the ultimate display of youthful luxury and splendor: cars. I don’t even have to say the names; I’m sure you can guess. I remember the morning when the first guy drove up in the hottest little sports car I’d ever seen. Needless to say, serious car shopping began that very day.
By this time, we were starting to resemble characters from the movie “Wall Street.” We were every bit as cocky, too! And then, life started happening.
One guy’s wife became seriously ill. He sold the car to help pay the bills. Another guy not only got carjacked, but they beat him up and took his jewelry. When he was transported to the hospital, they cut off his beautiful suit. As for me... well, I was a little too cool, fast, and loose, and totaled my fancy car. At some point, the clothes were packed off to Goodwill. I have no idea what happened to the rest of the stuff.
I learned valuable lessons from all this. The fact that I no longer had my car did not make me any less “successful” than I was when I had it. I was still me, and I still kicked butt on the weekly leader boards! That car didn’t define who I was — who any of us were — any more than fancy clothes or anything else we’d acquired. It’s just stuff. It comes, it goes. The only thing that lasts, the only thing that matters is the mark we each leave as we make our way. No one will remember what we had, but they will remember what we did, what we gave, whom we helped, what we changed for the better.
The parable says “To whom much has been given, much will be expected,” or alternatively, “With great power comes great responsibility.” Of course, Bernard Rapoport, the founder of American Income Life, knew this. Think about it: in the course of just doing our jobs each day, each one of us plays a part in improving the quality of life for working families. What an honor and a privilege! This, my friends, is success. It is my sincere hope that each of you strives to be truly successful.
American Income life agent talks about the symbol of a successful person - is it a fancy car? Nice clothes? Or is it someone who strives to do their best each and every day?
When I was a young Agent at American Income Life, there was a small group of us that was highly competitive. Our rivalry began with meager stakes to match our meager wallets. When the leader boards came out each week, the lowest man on the totem pole had to buy lunch for the group.
As we worked harder and began making more money, it was no longer enough to best each other on the leader boards. No, the entire world had to know what hot shots we were! It all started with the suits. Dress for success, right? One guy came in with this really sharp, custom-tailored suit that he had paid (at the time) a small fortune for. Not to be outdone, the following week we all sported custom-made suits, and soon we were wearing high-dollar duds every day of the week.
The rivalry continued to escalate. The symbols of wealth became more and more ostentatious, culminating in the ultimate display of youthful luxury and splendor: cars. I don’t even have to say the names; I’m sure you can guess. I remember the morning when the first guy drove up in the hottest little sports car I’d ever seen. Needless to say, serious car shopping began that very day.
By this time, we were starting to resemble characters from the movie “Wall Street.” We were every bit as cocky, too! And then, life started happening.
One guy’s wife became seriously ill. He sold the car to help pay the bills. Another guy not only got carjacked, but they beat him up and took his jewelry. When he was transported to the hospital, they cut off his beautiful suit. As for me... well, I was a little too cool, fast, and loose, and totaled my fancy car. At some point, the clothes were packed off to Goodwill. I have no idea what happened to the rest of the stuff.
I learned valuable lessons from all this. The fact that I no longer had my car did not make me any less “successful” than I was when I had it. I was still me, and I still kicked butt on the weekly leader boards! That car didn’t define who I was — who any of us were — any more than fancy clothes or anything else we’d acquired. It’s just stuff. It comes, it goes. The only thing that lasts, the only thing that matters is the mark we each leave as we make our way. No one will remember what we had, but they will remember what we did, what we gave, whom we helped, what we changed for the better.
The parable says “To whom much has been given, much will be expected,” or alternatively, “With great power comes great responsibility.” Of course, Bernard Rapoport, the founder of American Income Life, knew this. Think about it: in the course of just doing our jobs each day, each one of us plays a part in improving the quality of life for working families. What an honor and a privilege! This, my friends, is success. It is my sincere hope that each of you strives to be truly successful.
Top Five Reasons to Sell Insurance
Top 5 reasons to join the insurance industry
American Income Life discusses the top 5 reasons why it is a good idea to start working for the insurance industry. This article outlines who can qualify for the position and how it compares to a regular 8-5 job.
There are many careers to choose from when you’re deciding what you want to do for the rest of your life. Whether you are fresh out of college or deciding to take a turn from your previous job, you have come to the right place. These five reasons will show you that the insurance industry is the place to be right now.
If you’re looking for a rewarding, long-lasting career with no limits, this is the industry for you. Jump out of your cubicle and start applying NOW! Why wait to begin the rest of your life?
There are many careers to choose from when you’re deciding what you want to do for the rest of your life. Whether you are fresh out of college or deciding to take a turn from your previous job, you have come to the right place. These five reasons will show you that the insurance industry is the place to be right now.
- You decide how much your paycheck is. Want to earn what you’re worth? This is the career for you. You can work as much or as little as you wish – you have the ability to be your own boss. Have you worked with Joe Schmo who comes into the office late and skips out early while you are working feverishly? Your hard work pays off in this industry. If you have the desire to earn a six-figure income, that is in your grasp. Your paycheck is determined by your work ethic. If you’re tired of coming into the office Monday, knowing what your paycheck will be on Friday, this is the industry for you.
- No prior experience necessary. How many times have you heard: “you don’t have the experience we are looking for” while on your job quest? This excuse won’t be a deal breaker when you step into the insurance sphere. People come from all different backgrounds when they enter the sales force. Former preachers, CEOs, construction workers, and many others have entered the field and found success. The one common denominator is the will to succeed. Will you be next?
- You get to talk to people. Do you enjoy getting to know people’s stories and seeing what they have accomplished throughout their lives? This is a daily activity in American Income Life. You interact with a variety of people on a daily basis, making new friends along the way. How many times were you scolded in school for talking too much? With this career, too much talking is rewarded!
- It’s a different routine every day. Have you been droning on at your 8-5 office job desperate to break out of your bubble? With a career in insurance, you will never have the same day twice! New faces, new goals, and new ideas will greet you every morning. You will enjoy waking up and going to work, eager to face the challenge ahead of you that day.
- You are helping people. Have you always had a passion to serve? With this career, you are helping those in need. You are providing a service that will help someone when they need it most. The gratitude you get from the families you protect is a feeling that is hard to top. You will feel good about what you’re doing, and that through your actions, you are helping others.
If you’re looking for a rewarding, long-lasting career with no limits, this is the industry for you. Jump out of your cubicle and start applying NOW! Why wait to begin the rest of your life?
American Income Life Charitable Initiatives and Activities
American Income Life Food Banks
American Income Life is committed to supporting working families in the communities where we live. From building homes to raising money for catastrophic illness to making donations to support school programs to delivering food to struggling families, giving back to the community is the culture at American Income Life.
Food Banks
We are one of the largest contributors to food banks across North America. Each time an AIL Representative enters a family’s home, we request a can of food for those less fortunate. In today’s economy, there is an ever-increasing need to help families who have fallen on hard times. One of the gratifying ways American Incomers provide assistance is to put food on their tables.
United Way
AIL employees understand the value of the contributions United Way makes to the community and they have been making donations since 1977. The Company matches employee contributions dollar-for-dollar, making us one of the largest donors in central Texas. American Income Life proudly partners with this worthy organization to serve others within our community.
Shoot For A Cure
For the past eight years, Shoot For A Cure has introduced thousands of people to the fun and excitement of sporting clays shooting while raising hundreds of thousands of dollars for leukemia and MS research. The program has brought together Labor Unions, outdoor organizations, business leaders and elected officials for a great cause – and it’s growing. Shoot for a Cure was founded and chaired by Mark Gagliardi, a PR Representative in Northern CA.
Stay tuned for more updates on the American Income Life charitable initiatives and tips on life insurance products and services!
Food Banks
We are one of the largest contributors to food banks across North America. Each time an AIL Representative enters a family’s home, we request a can of food for those less fortunate. In today’s economy, there is an ever-increasing need to help families who have fallen on hard times. One of the gratifying ways American Incomers provide assistance is to put food on their tables.
United Way
AIL employees understand the value of the contributions United Way makes to the community and they have been making donations since 1977. The Company matches employee contributions dollar-for-dollar, making us one of the largest donors in central Texas. American Income Life proudly partners with this worthy organization to serve others within our community.
Shoot For A Cure
For the past eight years, Shoot For A Cure has introduced thousands of people to the fun and excitement of sporting clays shooting while raising hundreds of thousands of dollars for leukemia and MS research. The program has brought together Labor Unions, outdoor organizations, business leaders and elected officials for a great cause – and it’s growing. Shoot for a Cure was founded and chaired by Mark Gagliardi, a PR Representative in Northern CA.
Stay tuned for more updates on the American Income Life charitable initiatives and tips on life insurance products and services!
No Medical Exam Life Insurance
No Medical Exam Life Insurance Policy
Shopping for life insurance may be time consuming and frustrating. American Income Life would like to advise you that now you can get a simple, no medical exam, just a few Yes/No questions policy online. That means no testing or samples, waiting in hospitals and worrying about the results from the tests. Choosing to go for the "no medical exam life insurance" you will only need to answer a few questions.
This type of insurance is very convenient especially for people with very busy lives. It is not going to take much of your time, however will still provide protection for your family in case of an accident. It is easy, convenient and hassle-free. The best benefit though is that you won't put your family's security in jeopardy because of your busy schedule.
Most life insurance companies require passing a basic health exam in order to provide you with a policy. That automatically means doctor's appointments, urine and blood samples, waiting, wasting valuable time. There are also companies out there who will offer to hire a nurse to visit you at home and take all the necessary samples. Still that means arranging time during the work week to stay at home and wait for the nurse. If you are not a huge fan of needles and visiting hospitals, the no medical exam insurance type would be your best option. Think about it - your family deserves protection!
This type of insurance is very convenient especially for people with very busy lives. It is not going to take much of your time, however will still provide protection for your family in case of an accident. It is easy, convenient and hassle-free. The best benefit though is that you won't put your family's security in jeopardy because of your busy schedule.
Most life insurance companies require passing a basic health exam in order to provide you with a policy. That automatically means doctor's appointments, urine and blood samples, waiting, wasting valuable time. There are also companies out there who will offer to hire a nurse to visit you at home and take all the necessary samples. Still that means arranging time during the work week to stay at home and wait for the nurse. If you are not a huge fan of needles and visiting hospitals, the no medical exam insurance type would be your best option. Think about it - your family deserves protection!
Babysitting Tips for Grandparents
American Income Life has been supporting working families since 1951. It is our main goal to help people in need so we've decided to provide several great tips for grandparents who regularly take care of their grandchildren.
In order to adapt to the demands of society, young parents who work long hours end up turning to their retired parents to watch their children. But a lot of things have changed since our parents took care of us. There are many new techniques and equipment which grandparents should learn to use.
Safe Sleeping:
Our first tip is related to the way the baby is put to sleep. Years ago parents were taught to place the child on his/her stomach. After many researches it was proven that putting a baby on his/her back decreases the risk of SIDS (sudden infant death syndrome) by 50%.
Another bad idea would be to put any decorative bumper pads in the baby's crib while sleeping. It is safer for the babies to be free of soft bedding directly around them. Remember: they learn quickly to reach and grab, so don't put anything close. The sleep experts no longer recommend even placing loose blankets in the cribs. Fitted sheets are better and safer.
Baby Walkers:
Some parents think of baby walkers as great tools for exercise and moving around. However, these devices can be very unsafe as the baby may suddenly become too mobile. Make sure all counter tops and drawers are baby proof with nothing dangerous to be reached. Lately the cases of infants' injures have been so prevalent that advertisement and importation of baby walkers in Canada has become forbidden. The American Academy of Pediatrics is advocating for the United States to make the same decision.
Safe driving:
Car accidents are the number one reason for infants' deaths. Do not purchase or borrow used car seats as they may no longer meet safety regulations. Always have your grandchild buckled in the safety seat in the backseat of the car facing the rear window if less than one year old. Driving with a baby in your lap is never an option!
Bathing
A child should never be left alone in the bath tub. Great tools to use while bathing your grandkid are infant bath seats or a bath ring for older babies. Also for grandparents who have hard time kneeling around the bath tub - a tub-side kneeler can be a great helper. Use a thermometer to check the water before placing the baby in the tub.
Remember not to put too many clothes on the baby - he/she doesn't need more layers than you.
Feeding:
Always use feeding chairs that are safe, sturdy, and secure. The best option would be to pick a model that has a Juvenile Products Manufacturers Association certificate on it.
Once the grandparents are updated on all the new technologies and equipment they can relax and enjoy the baby while his/her parents are working with no worries. For more child safety tips read the next part of our guide.
In order to adapt to the demands of society, young parents who work long hours end up turning to their retired parents to watch their children. But a lot of things have changed since our parents took care of us. There are many new techniques and equipment which grandparents should learn to use.
Safe Sleeping:
Our first tip is related to the way the baby is put to sleep. Years ago parents were taught to place the child on his/her stomach. After many researches it was proven that putting a baby on his/her back decreases the risk of SIDS (sudden infant death syndrome) by 50%.
Another bad idea would be to put any decorative bumper pads in the baby's crib while sleeping. It is safer for the babies to be free of soft bedding directly around them. Remember: they learn quickly to reach and grab, so don't put anything close. The sleep experts no longer recommend even placing loose blankets in the cribs. Fitted sheets are better and safer.
Baby Walkers:
Some parents think of baby walkers as great tools for exercise and moving around. However, these devices can be very unsafe as the baby may suddenly become too mobile. Make sure all counter tops and drawers are baby proof with nothing dangerous to be reached. Lately the cases of infants' injures have been so prevalent that advertisement and importation of baby walkers in Canada has become forbidden. The American Academy of Pediatrics is advocating for the United States to make the same decision.
Safe driving:
Car accidents are the number one reason for infants' deaths. Do not purchase or borrow used car seats as they may no longer meet safety regulations. Always have your grandchild buckled in the safety seat in the backseat of the car facing the rear window if less than one year old. Driving with a baby in your lap is never an option!
Bathing
A child should never be left alone in the bath tub. Great tools to use while bathing your grandkid are infant bath seats or a bath ring for older babies. Also for grandparents who have hard time kneeling around the bath tub - a tub-side kneeler can be a great helper. Use a thermometer to check the water before placing the baby in the tub.
Remember not to put too many clothes on the baby - he/she doesn't need more layers than you.
Feeding:
Always use feeding chairs that are safe, sturdy, and secure. The best option would be to pick a model that has a Juvenile Products Manufacturers Association certificate on it.
Once the grandparents are updated on all the new technologies and equipment they can relax and enjoy the baby while his/her parents are working with no worries. For more child safety tips read the next part of our guide.
A Different Type of Education from American Income Life
American Income Life believes all children deserve equal opportunity in life.
Sending a child to college is becoming increasingly more expensive. The growing cost of tuition, along with other expenses like books, lodging, and food easily adds up. Some families have to make difficult choices and maybe even rethink where and when to attend school. Most parents who invest in their children’s college career do so from the child’s birth. But if something happens to one of the parents, the child may not have an opportunity to even attend college.
The resulting expenses from the death of a loved one can drastically affect a family’s financial situation. The decrease in household income can add to those expenses, making it extremely difficult to put any money aside for a child’s college fund. This affects the child’s future.
The U.S. Census Bureau reports that college graduates with a bachelor’s degree make about 50% more than those with a high school diploma. If a child cannot afford to go to college, they would be at a considerable disadvantage in life. An investment in life insurance can protect a child’s future.
According to the U.S. Department of Education, student debt has almost doubled since 1996, with the average loan debt for graduating seniors being around $23,200. This is an extremely risky financial burden for a recent graduate, especially if they do not have a job. The pressure to find a job that pays enough to afford a place to live as well as pay off their education is a lot to undertake. Life insurance can provide the best option for a child in case something does happen to a parent. It can ensure that the child has the best opportunity in life.
The resulting expenses from the death of a loved one can drastically affect a family’s financial situation. The decrease in household income can add to those expenses, making it extremely difficult to put any money aside for a child’s college fund. This affects the child’s future.
The U.S. Census Bureau reports that college graduates with a bachelor’s degree make about 50% more than those with a high school diploma. If a child cannot afford to go to college, they would be at a considerable disadvantage in life. An investment in life insurance can protect a child’s future.
According to the U.S. Department of Education, student debt has almost doubled since 1996, with the average loan debt for graduating seniors being around $23,200. This is an extremely risky financial burden for a recent graduate, especially if they do not have a job. The pressure to find a job that pays enough to afford a place to live as well as pay off their education is a lot to undertake. Life insurance can provide the best option for a child in case something does happen to a parent. It can ensure that the child has the best opportunity in life.
What is life insurance for
What is life insurance for
We, at American Income Life, think that the real purpose of life insurance is not "putting a box in the ground," but smart investment in your family's future. By purchasing a life insurance policy we make sure our closest people can cover the expenses that result from a loved-one's death. According to the National Funeral Directors Association, the average funeral costs around $7,323, but that's only the funeral. Unresolved health bills and other financial obligations like car payments, house bills, and other expenses will go unpaid for the surviving members of the family. These things can drain any savings the deceased had and leave their families in the predicament of having to pay off the debt. Otherwise, it could result in getting essential, unpaid items like homes and automobiles repossessed. This can especially hurt families who may have college money saved for their children, forcing them to use it to pay off debt. Also, if the deceased was the family breadwinner, the spouse is put in the position of finding a job that pays enough to live off of, in addition to handling any bills that may arrive.
No one knows how they are going to die; just that it is a natural part of the human lifespan. Most people don't think about death in advance. Therefore, not that many people plan to pay off their bills and make arrangements for their family members who might depend on their income. Life insurance isn't just for funeral costs, it is a financial compensation to offset unexpected expenses which occur after the death of the insured. Life insurance is something that can make a tragedy just a little easier for the family. In retrospect, anything that makes living just a little easier after a death is a welcomed blessing.
No one knows how they are going to die; just that it is a natural part of the human lifespan. Most people don't think about death in advance. Therefore, not that many people plan to pay off their bills and make arrangements for their family members who might depend on their income. Life insurance isn't just for funeral costs, it is a financial compensation to offset unexpected expenses which occur after the death of the insured. Life insurance is something that can make a tragedy just a little easier for the family. In retrospect, anything that makes living just a little easier after a death is a welcomed blessing.
Top 10 Child Safety Tips - Part 2
American Income Life Child Safety Guide
Welcome to the Child Safety Guide - Part 2. American Income Life continues to educate parents on how to keep their children safe from accidents.
6. We already talked about playgrounds, but when babies learn to crawl and walk, the house itself is their playground. Make sure all medicines and cleaning products are hidden in a safe place preferably with a lock. And still - accidents may happen no matter how careful we are, so keep the poison control center number - 1-800-222-1222 handy at all time.
7. Guns are very dangerous for children. If you have one, make sure it's unloaded and locked in a safe place. Even if your household doesn't possess a gun, the child may be shown one when visiting a friend or relative. Teach your children to never touch a gun, and to immediately leave the premises and seek an adult.
8. This may not seem like a serious threat, but according to statistics, choking is the leading cause of death in children 5 years old and younger. Martin Stutsman, a consumer safety officer in the Food and Drug Administration’s Center for Food Safety and Applied Nutrition, highlights the importance of teaching children the principles of "safe eating." The first rule is to carefully chew the food before swallowing, and to not put anything else in the mouth except food. If a child puts a large object in his/her mouth, it can prevent oxygen from getting to the lungs, which can result in brain damage or even death. For example grapes, carrots, olives should be cut into small pieces. The best way to help a choking child is by knowing how to administer Cardio Pulmonary Resuscitation, (CPR). A CPR course will teach parents and caregivers the correct way they should position themselves and the right intervals for breathing into the victim’s mouth.
9. Sudden Infant Death Syndrome (SIDS) is the term used when a baby dies from unknown causes. Before 1992 it was believed that babies are more likely to choke when put to sleep on their backs. Later that year researchers found that babies are in more danger if laying on their stomachs. After the The American Academy of Pediatrics started educating people on the proper way of putting their babies to sleep - on their backs - SIDS deaths were reduced by 50 percent in the United States. To read more about protecting your child from SIDS see this article.
10. Stranger-danger - while we constantly warn our children not to talk to strangers, never to accept anything from somebody they don't know, and not to go in someone else's vehicle, accidents still happen. Make the time to frequently talk to your children about their concerns and expectations. Prepare them for the real danger in life by investing in training and answer their questions. Always teach your child to report suspicious behavior to a trusted teacher, parent, or a police officer.
Bonus tip: with the popularization of social media and online presence more and more parents are eager to "upload" their kids' photos so all the relatives and friends can see them. This is totally understandable since we are proud of our children and want everybody to see them the way we do. However be smart about the pictures of your children that you upload, even if your profile settings are set on "only friends" mode. Once it is online - nobody can guarantee your privacy. Do not put your child in danger!
American Income Life understands the importance of keeping parents and caregivers educated and updated. Prepare for the unexpected accidents the best that you can - don't ever stop reading, researching and educating yourself!
6. We already talked about playgrounds, but when babies learn to crawl and walk, the house itself is their playground. Make sure all medicines and cleaning products are hidden in a safe place preferably with a lock. And still - accidents may happen no matter how careful we are, so keep the poison control center number - 1-800-222-1222 handy at all time.
7. Guns are very dangerous for children. If you have one, make sure it's unloaded and locked in a safe place. Even if your household doesn't possess a gun, the child may be shown one when visiting a friend or relative. Teach your children to never touch a gun, and to immediately leave the premises and seek an adult.
8. This may not seem like a serious threat, but according to statistics, choking is the leading cause of death in children 5 years old and younger. Martin Stutsman, a consumer safety officer in the Food and Drug Administration’s Center for Food Safety and Applied Nutrition, highlights the importance of teaching children the principles of "safe eating." The first rule is to carefully chew the food before swallowing, and to not put anything else in the mouth except food. If a child puts a large object in his/her mouth, it can prevent oxygen from getting to the lungs, which can result in brain damage or even death. For example grapes, carrots, olives should be cut into small pieces. The best way to help a choking child is by knowing how to administer Cardio Pulmonary Resuscitation, (CPR). A CPR course will teach parents and caregivers the correct way they should position themselves and the right intervals for breathing into the victim’s mouth.
9. Sudden Infant Death Syndrome (SIDS) is the term used when a baby dies from unknown causes. Before 1992 it was believed that babies are more likely to choke when put to sleep on their backs. Later that year researchers found that babies are in more danger if laying on their stomachs. After the The American Academy of Pediatrics started educating people on the proper way of putting their babies to sleep - on their backs - SIDS deaths were reduced by 50 percent in the United States. To read more about protecting your child from SIDS see this article.
10. Stranger-danger - while we constantly warn our children not to talk to strangers, never to accept anything from somebody they don't know, and not to go in someone else's vehicle, accidents still happen. Make the time to frequently talk to your children about their concerns and expectations. Prepare them for the real danger in life by investing in training and answer their questions. Always teach your child to report suspicious behavior to a trusted teacher, parent, or a police officer.
Bonus tip: with the popularization of social media and online presence more and more parents are eager to "upload" their kids' photos so all the relatives and friends can see them. This is totally understandable since we are proud of our children and want everybody to see them the way we do. However be smart about the pictures of your children that you upload, even if your profile settings are set on "only friends" mode. Once it is online - nobody can guarantee your privacy. Do not put your child in danger!
American Income Life understands the importance of keeping parents and caregivers educated and updated. Prepare for the unexpected accidents the best that you can - don't ever stop reading, researching and educating yourself!
Top 10 Child Safety Tips - part 1
American Income Life Child Safety Tips
American Income Life has provided life and supplemental insurance since 1951. Our main goal is to protect working families so we would like to offer a short guide containing the top 10 child safety tips:
1. Car Safety Seats
Unfortunately we cannot predict accidents and they may happen even during a routine trip. Studies show that one of the leading reasons for children's deaths are collision-related injuries to passengers. It is vital for parents to stay educated on the latest technology for children's safety installation systems for cars. One of the recent innovations is called LATCH (Lower Anchors and Tethers for Children). According to research, these seats (when properly installed) may reduce the risk of death by up to 71 percent for infants and up to 54 percent for toddlers.
Another important detail to remember is to always consider the age and size of the child when buying the safety seat. The Convertible Infant Seats have to be used for newborn babies and installed to face the rear of the car. The seat may be turned toward the front of the car when the baby weighs over 20 pounds. This type of seat is good until the child weighs 40 pounds. if your child has outgrown the infant seat, you should get a booster seat. Children should not ride in the front seat of the car until they are at least 13 years old.
2. School Bus Safety
Children get hurt not only in passenger cars, but in other vehicles as well. In fact, in America more than 22 million students ride the bus daily. Research shows that most accidents happen while children are entering or exiting a bus because of a lack of visibility for the driver. That's why it's very important to teach your children several life-saving tips:
- When waiting for the bus always stay back from the street until the bus comes to a complete stop and the rear door opens
- Always stay away of the bus’ rear wheels
- Let younger children go first
- Hold the handrail while boarding or exiting the bus
- Do not walk around in a moving bus
- Never distract the driver unless there is an emergency
- Do not block the aisles with personal belongings
- Do not cross the road until the bus driver signals it is safe
- Always cross the street in front of the bus
3. Using helmets
Teach your children to always wear a helmet positioned low on the forehead when riding their bicycles, skateboards, ride scooters, etc. There are special helmets for children made of thick shock-absorbing material.
4. Amusement Parks
Most amusement park accidents happen because parents wrongly assume a particular ride is appropriate for their child. Always remember that you cannot rely only on the height/weight regulations. Parents should explain to children that the instructions given by the ride operator must be followed and improper behavior should never be tolerated.
5. Playgrounds
Most children love the playground. It may seem fun and innocent, but it can be a very dangerous activity. Always make sure that the playground and the surroundings are safe for your child and never leave him/her without adult supervision. Always be aware of the climbing equipment on the playgrounds, especially the monkey bars. There are so many kids injured from falling off them that most parents insist on monkey bars being removed from the playgrounds,
Stay tuned for the next 5 child safety tips coming soon!
For more information on the no-cost child safety kit see American Income Life product page.
Top 10 Reasons Why You Need Life Insurance
American Income Life gives you 10 reasons to get your life insurance policy in place
We tend to delay the decision of buying a life insurance policy simply because we do not like to think about accidents, illnesses, or other unpleasant events happening to us, or one of our family members. Unfortunately, life insurance is one of those things that may become too late to get. That's why, here at American Income Life, we would like to give you ten reasons (or motives) to get a life insurance plan as soon as possible. The first, and most important, reason is financial stability for your family. All other motives come from this one.
2. Less or no burial expenses.
Having life insurance means planning your burial in advance and financing your final expenses on your own so that your family won't need to worry about these costs.
3. Less or no transferred debt.
The loss of a loved one is a huge tragedy, however life is for those who are alive and as such we need to face all the responsibilities such as mortgages, credit cards, loans, and other bills. Leaving your family in a better financial state shows just how much you cared about them.
4. Keeping your lifestyle.
Most of the time the life insurance claim check would allow your family to maintain the same, or similar, lifestyle until they fully recover from such a big devastation.
5. Children's headstart.
Probably the hardest of all policies to get is the one for our child. You don't have to think of the policy as opening the door for something bad to happen to your child. Simply think of it as an investment. Sooner or later he or she will need this money - for college, for a beautiful wedding, or to create his or her own home. For one second imagine that accidents happen all the time, and very often life insurance plans get rejected due to preexisting conditions. Think about your grown up son or daughter owning a policy you started long time ago and not having to worry about medical exams or other hassle.
6. Accident protection.
You don't need to worry anymore about what action you would take if an accident happened to you. The more you think about it, the more obsessed you become. Just live your life normally. Your life insurance company will financially help your family (thanks to your prudent mind).
7. No more "what if".
Get rid of your anxiety and stop wondering about all the "what if"-s in life. Nobody can escape his or her destiny, but a thoughtful person can protect their family IF something bad is going to happen.
8. The tangible love.
The tax-free proceeds from a life insurance policy will provide your loved ones with a tangible expression of your concern and thoughtfulness.
9. Healthier lifestyle.
That's probably a lame reason but is true - most companies require health exam before they approve you for a life insurance plan. Usually you will get rejected because of high cholesterol or other problems that come from being overweight. If you really want to protect your family and make sure they are in a good financial position, start that diet and get yourself in shape! Not only you will feel good in your heart by doing the right thing for your family but your body will look and feel much healthier.
10. Positive influence.
That is the best feeling - to know that you would continue to have positive influence on the life of your loved ones even when you are gone.
Please see American Income Life product page if you have any questions on the different life insurance plans.
Note: In order to cover all benefits mentioned above, multiple life insurance policies may need to be in place.
American Income Life tells the story of life insurance
American Income Life and the history of life insurance
The world we live in has changed tremendously. People's need to feel protected and the inability of anyone providing that level of security has created the need for insurance. Anyone who insures himself has to understand the main purpose of the policy is to help recover from a financial loss and not to create profit. Take your future one step further and think about the time when you may not be in control of your health. This shows you as a caring person who doesn't want to deprive your family from the income stability you were able to provide.
The thought about protection and minimizing financial losses has always been in people's minds. In China as early as 5000 BC, when ships loaded with produce were constantly getting lost in the sea, farmers thought of a primitive, but very smart way of insurance. They came up with the idea of spreading their produce on several boats instead of just one. Thus the chance of losing everything gets much smaller. The principle of distributing the produce would minimize the loss in case something happens. According to history one of the earliest examples of insurance was during the 13th century in ancient Babylon - a system has been created which was designed to protect both the merchant and the customer from theft losses. It was also very simple - wealthy people would guarantee to pay the loss of a ship in case it sinks and in exchange they would receive an agreed amount of money or produce from the ship owners.
The history of life insurance starts all the way from ancient Rome. Everything began from a group of poor people, slaves, members of the military who weren't wealthy enough to pay for their own burial one day. They created clubs called Fratres which initial goal was to pay the burial expenses of the club members and support their families throughout those hard financial times.
The insurance as we know it today started in England in the late 1600s as a marine insurance. The traders would gather together in the Lloyds Coffee House, which is a predecessor to the famous Lloyds of London which is one of the first established insurance companies in the world.
The first American life insurance company began in 1735 mainly for the benefit of the families of Presbyterian ministers. As the need of supplemental insurance was growing, in 1752 Benjamin Franklin was instrumental in helping fire insurance become commonly established. Between 1787 and 1837 more than two-dozen life insurance companies were found. During these times absolutely anyone was able to buy an insurance policy on anyone else. That is why the government had to come up with some regulations to avoid people being murdered.
Today life insurance is nothing more or less than financial stability for the people we love. Check the American Income Life official blog for more life insurance tips.
