American Income Life and Serving Credit Union Members Nationwide

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American Income Life
Serving
Credit Union
Members
Nationwide
and
Altig International
American Income Life
• Chartered in 1924
• Purchased by Bernard Rapoport in 1951
• Working with Credit Unions for more than
30 years
• Over 7 million dollars in assets
American Income Life
• Rated “A” (Excellent) by A.M. Best
• Over $10 Billion of supplemental life insurance in force!
• International Company - Licensed in the U.S., Canada,
New Zealand, Puerto Rico and the Virgin Islands
2,000,000 Members
Credit Unions, Unions and
Affiliated Groups
Credit Union Lines
•AIL Publishes
nationally the
Credit Union Lines
monthly at no cost
•Provides general
information of
current Credit
Union topics
Blue Paper of the Month
MONTHLY TOPICS
PAST TOPICS INCLUDE
•10 Realities about New
Bankruptcy Law
•Privacy Act
•Executive Compensation
CREDIT UNION
SERVICES
•Surveys
•Membership recruitment
•Loan applications
•Credit Union Product and Service Cross Selling
•Value Added Benefits
•Membership Education
MEMBERSHIP RECRUITMENT
•Family Membership Sponsorship
•SEG Groups
•Member Match
How the
Member Benefit
Program works…
ACCIDENTAL DEATH & DISMEMBERMENT POLICY
Our Way of Saying
Thank You
For Being A
CREDIT UNION MEMBER
Covers:
Member
 Spouse
 Children
Health Services Discount Plan
Vision / Eye Care
Hearing
Prescription Drugs
Chiropractic
Optional Dental Plan
Vitamins &
Supplements
24 Hour Nurse Line
Travel Assist
Quest Travel Plan
How We
Implement
the
Benefit
Program…
1. We send a letter on your
letterhead to each
member, informing them
of their new benefits
2. The letter lets them know
the benefits are coming
in cooperation with AIL
and their local Credit
Union
3. Letters are created at our
cost
4. AIL covers the cost of
postage
Postage Paid Enrollment Card
is enclosed with each Letter
RESPONSE CARD FOR
ABD FEDERAL CU
INSURANCE BENEFIT
Please Print In Ink
_________________________________________________________________________________
LAST
FIRST
MIDDLE
DATE OF BIRTH
_________________________________________________________________________________
HOME ADDRESS
_________________________________________________________________________________
CITY
STATE
ZIP CODE
(_________)______________________________________________________________________
HOME TELEPHONE
EMAIL ADDRESS
_________________________________________________________________________________
BENEFICIARY
DATE OF BIRTH
RELATIONSHIP
P2736
 All Members are
covered by the
AD&D Master Policy
which the Credit
Union holds
THIS CARD MUST BE RETURNED WITHIN 10 DAYS
SG545
 Members who return their
Enrollment Card will be contacted
by our Representatives
When a Mailing is done
through your Credit Union…
• The
Program is at NO COST to the
Credit Union or the Member
• AIL respects the Confidentiality of
Membership mailing lists and does not
require a copy of them
• Typically, 20 – 50% of your Members will
return the Enrollment card and one out of
three will purchase additional benefits
When one of our
Representatives
contacts a Member,
we will…
 Deliver their Individual
Certificate of Coverage
and have them designate
their Beneficiary
 Present the Health
Services Discount Plan
 Member Education
 Credit Union Products
and Services
Clearly explain the
affordable supplemental
programs and answer all
questions
“Freedom of Choice”
Certificate
• Final Expense Plan
• Assignment of Benefit
• Lump Sum Payment
• Balance Paid to Family
LAY-OFF Waiver of Premium*
…and the Member NEVER has to Pay It Back!
STRIKE Waiver of Premium*
…and the Member NEVER has to Pay It Back!
FAMILY
INFORMATION
GUIDE
Eliminates Confusion over:
• Funeral Arrangements
• Insurance Papers
• Estate Information
• Taxes
American
Income Life
FOOD
BANK
How Do We Do It?
One Can Of Food at a Time!
Last Year We Distributed over 275,000 lbs.
Of Food To Members Who Needed It !
The Next
Step…
1. Complete the Group Coverage Form
(provides immediate 24 hour coverage)
2. Provide copies of your Letterhead
3. Process the mailing as soon as it
arrives, to notify members of the
benefits that you have made available
for them
4. Stay in contact with your AIL
Representative to answer any
questions that may arise
* This 2 year program automatically
renews as long as a working
relationship exists
Helping
Secure the
Future of
Working
Families
American Income Life
and
Zeidner - Cowan
With…
Affordable
 Permanent
 Portable
Supplemental Benefits
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