Every year over 800,000 children are reported missing *. Endorsed and supported by the nation's leading law enforcement union, our Child Safe Kit adds an extra level of assurance for the family and shows our ongoing support and commitment to the community. We are providing these kits AT NO COST! No cost to the parents/guardians or the school or child care center.

The No-Cost American Income Partners™ Basic Program allows members to take advantage of 10-60% discounts on health-related products and services that might not be covered by their health and welfare benefits. After the members activate their membership card, they simply call the 1-800 number listed on the back of the card for the location of the nearest participating providers. To use the program, members simply present their membership card when paying for the service. Discounts are taken at the time of purchase, so there are no rebates to collect or forms to fill out. Once again, this is all at no cost. The program also has an optional upgrade for a minimal annual cost. It's called the Gold Program. It allows an upgrade of the Partners Program to include a Dental Discount Program, and offers 10-50% discounts on dental care - everything from routine cleanings and X-rays to more advanced and serious dental work. It even offers discounts on orthodontic coverage. The Gold Program also includes the ITC-50 Travel Plan for discounts on car rentals, hotels, and other travel discounts. It also has a 24-Hour Nurse Line where members can contact a certified nurse in emergency situations.

The Freedom of Choice plan is a whole life insurance plan designed to take care of immediate financial needs placed on a family when a loved one passes away. As the name implies, families have the freedom of choosing the funeral home, location, and type of funeral when it is needed. Whole life policies provide you with the knowledge you will have permanent coverage with fixed premiums for the existence of the policy and the benefit amount will be paid in full to your beneficiary. The death benefit is payable upon the insured's death regardless of how long the insured lives. Premiums are payable during the entire lifetime of the insured. On a per-$1,000 basis, whole life has the highest cash values and paid up values of these plans. A whole life policy with premiums payable to age 65 is also available.

Term Life: Term life insurance policies are ideal for receiving the best coverage for a set period of time, whether you are supplementing a larger permanent policy or trying to meet a certain need. They can be adjusted to provide just the right amount of coverage in any area of your life. The death benefit is payable upon the insured's death only during a specific number of years. Premiums are payable during the entire term period. Conversion to a permanent plan of life insurance, such as whole life, without new evidence of insurability is permitted during a stated part of the term period, and conversion periods end on a specific policy anniversary. The maximum amount of the new policy will be the amount of insurance in force at the time of conversion. Various terms are available to cover the needs of a temporary nature such as to pay off a mortgage or other loans, family income protection, etc. The beneficiary can request a lump sum payment upon the insured's death or can request the benefits be spread out over several years to provide a monthly benefit amount to help them adjust to the loss of the insured's monthly income. Other Supplemental Insurance: ACCIDENT POLICY - The plan provides benefits for accidental death and dismemberment as well as hospital confinement and intensive care treatment if related to an accident. In addition, the policy pays a benefit if the member has emergency room treatment as a result of an accident when treated within 72 hours of the accidental injury. HOSPITAL INDEMNITY - This plan provides a fixed benefit when a member is in the hospital due to an illness or accident. CANCER PROTECTION - Policies provide specific coverage for treatment of cancer or a single sum benefit when an insured is diagnosed with cancer. CRITICAL ILLNESS - This policy pays a one time lump sum payment when an insured is first diagnosed with a covered critical illness. TERMINAL ILLNESS RIDER - This rider can be added to a life insurance policy at no cost to the insured. The Accelerated Benefit pays fifty percent of the coverage face amount when the insured is diagnosed with a terminal illness and has a life expectancy of less than 12 months (24 months in IL, MA and WA). The policy premiums remain the same after payment of the Accelerated Benefit to the insured and the beneficiary receives the remainder of the policy proceeds upon death of the insured.

It is important to find the insurance that fits the personal requirements of yourself and your family. Many elements need to be taken into account before choosing the plan for you, such as the type of coverage, the amount of coverage you will need, your budget, and potential developments in your life. AIL can relate the perfect life insurance plan to your current and future needs.