American Income Life

  ***  Relevant Background : Strike Waiver provides for waiver of premium while the insured is on authorized strike. One month of premium waiver is waived for each month of strike. If the strike lasts less than a month, one month of premium will be waived. The maximum waiver is 12 months. ***  Relevant Material :  On October 14, 2023, the Town of Whitby issued a statement that CUPE Local 53 representing workers at the Town of Whitby had commence strike action. Strikes can potentially impact the closing or occupancy dates of new homes or affect the completion of projects due to delays in inspections and processing applications for permits, approvals, etc... (" Town of Whitby Strikes Potentially Impacting New Home Construction",  n.d.  )  ***  Relevant Material : " Note:   Work stoppage data cover strikes and lockouts that amount to 10 or more person-days not worked. Data for 2025 cover the month of January. January data are preliminary, s...

  ***  Relevant Background : If you have been regularly employed within the same industry for 12 consecutive months and are laid-off, you may qualify for lay-off waiver of premium. Lay off waiver of premium provides for a waiver of premiums while the insured is on a qualified lay-off and is actively seeking work. A qualified lay-off is the termination of employment in an announced reduction of force due to economic reasons affecting at least 10 people. If an application is filled in and returned within 60 days after date of lay-off, one month's premium will be waived for each full month thereafter the insured is unemployed as a result of such lay off. The maximum benefit period is 3 months.   ***  Relevant Material: " Each year, about 5% to 10% of Canadian employees experience a permanent layoff . The implications of job loss are a big deal for affected individuals and their families;   a permanent layoff is associated with sustained annual earni...

  *** Terminal Illness Rider : When the life insured is diagnosed with a terminal illness rider, he is entitled to half the face amount on his policy. So if the policy has a face amount of $2,000,000, he or she may be entitled to $1,000,000.  ***    Relevant Statistics : " GENEVA (ILO News) – Nearly three million workers die every year due to work-related accidents and diseases, an increase of more than 5 per cent compared to 2015, according to new ILO estimates. The toll underscores the persistent challenges in safeguarding the health and safety of workers, globally. Most of these work-related fatalities, totalling 2.6 million deaths, stem from work-related diseases. Work accidents account for an additional 330,000 deaths, according to the analysis. Circulatory diseases, malignant neoplasms and respiratory diseases rank among the top three causes of work-related death. Together, these three categories contribute more than three-quarters of total work-related mortali...

  Accidental benefits include benefits for travelling via a common carrier and/or for any cause of death such as a pedestrian or accident at workplace. ICU, overnight hospital benefits and benefits to get the injury looked at are part of hospital benefits…covered by the hour power philosophy.  ***  Relevant Background : Along with the freedom of choice allocation, American Income life agents also request permission to allocate hourly wages each week (as part of the hour-power philosophy) for accidental benefits and pay cheque protection. Policyholders may also allocate their wages to accidental and pay cheque protection benefits via allocating a certain % of their income (Need Analysis Approach), monthly allocations, and dollar a day allocations. To activate these benefits, no  activation is required..as these benefits are part of a larger package such as through a union or employer. The hour power philosophy provides these benefits 24/7 (they are active around the c...

*** Relevant Material: When you get in to a serious accident, wouldn't you agree that your family and your inner circle (such as friends, colleagues, neighbors) need to be notified right away?  *** Relevant Material: " No-Cost   Products American Income Life offers a variety of no-cost products to help provide valuable protection for you and your family..." (" View No-Cost Products from American Income Life", n.d.    )  ***  References  1. (n.d.).  View No-Cost Products from American Income Life . American Income Life Insurance Company. Retrieved June 29, 2025, from  https://www.ailife.com/products/nocostestimate *** 

  *********************************************************** Relevant Background : The cost of a will is anywhere from $940 - $1500 in North America. Most people have beneficiaries for their bank account and life insurance but very few people have a will set up.  Relevant Material:  " We have been rated The Best Canadian Will Service by  Top Consumer Reviews.... It's never too late or too early to protect your family's future. Start now by creating a Last Will and Testament to ensure that your assets stay in the hands of those who matter most. Our Online Free Legal Will service:  Was created by Attorneys/Lawyers  Is Absolutely Free – No Strings Attached (Open to everyone – no subscription – no credit card)  Has operated for 25 years – First in this market space  Provides live person support 7 days a week (7am to 7pm Pacific)  Is a complete Will-based estate plan  Includes digital assets, pet trusts and guardianships  Is User friend...