people and their families
for over 50 years.
American Income Life is the premier supplemental life insurance company to members of local labor and credit unions, and is 100% endorsed by the AFL-CIO. We are proud to serve the working families of New England.
join our team
Fisher Agencies offers a steady and challenging career path. We have tremendous opportunities for those self-starting people who are looking for a challenge and ready for change.
Free child safe kit! We are providing these kits AT NO COST! No cost to the parents/guardians or the school or child care center.
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.
At American Income Life Insurance Company, we treat each of our sales professionals like family. In fact, we believe by working together, we can each achieve our personal and professional goals. It is this philosophy that makes a difference – and has made us successful.
It doesn’t matter if you’re already a member of our team, considering joining our team, or if you just want to learn a little more about our rich history… You are in the right place at the right time!
who are we?
American Income was founded more than half a century ago with just $25,000 in borrowed capital, and today has become one of the nation’s largest providers of supplemental life insurance to labor unions, credit unions and associations. American Income first appeared on the business landscape with a truly unique idea — developing a niche marketplace selling supplemental life insurance products to labor unions and working families in America.
The founding principle was to improve the quality of life of the working class and to provide opportunity unlimited to all who become associated with American Income and our sister company, National Income Life. We’ve succeeded in that endeavor.
Today, American Income is licensed in 49 states, New Zealand, and Canada — and our subsidiary Company, National Income Life Insurance Company is licensed in New York. We are a strong company and have been rated A+ (Superior) for overall financial strength by A.M. Best, one of the country’s oldest and most respected insurance ratings company (rating as of June 2007).
what do we do?
If you have a passion for helping people and enjoy the feeling you get when you’ve assisted someone in becoming more secure either professionally, financially or personally, then AIL is the place for you. As an American Income licensed representative you would be the liaison between the Company and the customer in providing supplemental life and health insurance to the members and families of labor unions, credit unions and associations. There are no sales degrees needed, or prior selling experience. People from all walks of life have joined our team and so can you!
where we want to be
Our vision at American Income is to become the premier in-home life insurance provider to working families in the United States, Canada, and New Zealand, and we want you to become part of this vision. Our 50 years experience in the labor union market combined with our powerful business ties and affiliations have allowed us to reach a level of expertise that’s hard to match. We are committed to finding more innovative ways to reach our markets and are currently broadening our earning potential by targeting new marketing avenues. In expanding our niche, we are searching for talented sales men and women with winning attitudes who are willing to succeed in an environment still standing on the philosophy and principle we were founded upon more than 50 years ago.
the sky’s the limit
Roger Smith, American Income’s President and CEO, explains the opportunity as follows, “Today, at American Income Life, we are pursuing a vision for even greater opportunities. That vision is allowing us to realize record growth and extraordinary milestones of success. I believe the best opportunities are still before us, and that your path for advancement, whether as an Agent, Manager, or Public Relations Representative, is greater today and greater with this Company – we have a lot to offer! Therefore, if you are ready to put yourself on the path to success, don’t wait! Your future begins today.
Fisher Agencies a division of American Income Life Insurance Company offers insurance products and no-cost benefits. Learn about our products. Then, contact Fisher & Associates. We will visit you and help you find the product that best suits the needs of you and your family.
American Income Life offers life and supplemental accident & health products to its customers. These products provide valuable protection for you and your family.
No cost benefits
AIL offers these no-cost products to help Protect working Families.
life insurance products
It’s important to find the insurance that fits your family’s needs. The type of coverage, the amount of coverage, your budget, and potential developments in your life should be taken in consideration. American Income Life Insurance Company has been providing coverage to working families since 1951. We offer life and supplemental accident and health, cancer, hospital indemnity, and critical illness protection.
Parents, American Income Life offers a no-cost guide to Internet safety for children – the Safe Surfin’ Guide. Learn how to identify and prevent cyberbullying, sexual predators, and other risks, in order to protect your kids online.
To help keep kids safe online, American Income Life offers a No-Cost Parents’ Guide to Internet Safety. American Income Life’s Hang 10 Guide to Safe Surfin’ is a comprehensive booklet of information for parents. Space is available to collect valuable data from your children to better assess their online behavior, passwords, usage, etc.
The Hang 10 Guide, developed in cooperation with the Safe Surfin’ Foundation, is your resource to help identify unsafe online activities, to eliminate any cyberbullying, and to record online information (such as passwords to Social Media accounts).
Every day children are faced with online threats to their safety and well-being, that they may not even recognize. As a parent, it’s your job to promote online safety tips for your children and ensure they don’t become a victim of wrong doing.
Information is power, and in this case the information you compile in the Guide can make all the difference in Internet safety and privacy for your family.
American Income Life is pleased to provide the Child Safe Kit for each of your children at no cost to you. The information you collect for the Child Safe Kit is vital to the police in the event a child goes missing.
How do you give authorities all they need to know to find your child without losing precious time? Do you know your child’s height? Do you have a current photo of your child? Can you provide fingerprints for your child? Your answer to these questions may be yes, but is this critical information in one easy-to-find location? To give your child every chance to be found as early as possible, AIL is giving you a no-cost Child Safe Kit® for each child in your home.
Endorsed and supported by the nation’s leading law enforcement union, AIL’s Child Safe Kit adds an extra level of assurance for the family and shows our ongoing support and commitment to the community.
American Income Life is providing these kits AT NO COST! No cost to the parents/guardians or the school or child care center.
Click below to request your no-cost Child Safe Kit now. An American Income Life Representative will deliver the kit(s) and explain other insurance benefits you may qualify for.
Click the link above and fill out the form to receive your no-cost Child Safe Kit. All fields are required. También en español.
Want to drive down the cost of health services? Of course you do. And AIL can help with its outstanding health services discount program, American Income Partners.
American Income Life No-Cost Partners™ Program
This is not an insurance program. American Income Partners™ provides discounts at certain healthcare providers of medical services. You’re obligated to pay for all healthcare services but receive a discount from those healthcare providers who have contracted with the discount plan organization. We offer two programs – Basic Program Discounts or Gold Program Discounts.
American Income Partners is NOT insurance.
Disclosure: This plan is NOT insurance. The plan provides discounts at certain health care providers for medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. The range of discounts for services offered will vary depending on the type of provider and service. This is not a Medicare prescription drug plan. This plan is administered by Coverdell & Company, Inc., a discount medical plan organization at 8770 W. Bryn Mawr, Suite 1000, Chicago, IL 60631, 1-800-308-0374. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid.
Partners Program is not available in Canada, NY or NJ. Travel Assist is not available in FL or CT. Partners Gold Program is not available in VT, RI or WA.
safe surfin’ foundation
The Safe Surfin’ Foundation strives to prevent children from being targeted by Internet predators.
Sheriff Mike Brown from Operation Blue Ridge Thunder (BRT) is the director in collaboration with the Bedford County Sheriff’s Office and the Internet Crimes Against Children Task Force (ICAC).
Safe Surfin’ educates parents, teachers, and children about Internet safety. The organization has helped identify countless online predators and bring justice to victims.
Safe Surfin’ makes public service announcements, hosts special events and distributes educational materials throughout the community. The organization works closely with the U.S. Department of Justice, law enforcement, school systems, libraries, worship centers, and corporations, to reach as many people as possible.
Through its interactive website, special events, printed materials, PSAs, and other educational opportunities, Safe Surfin’ educates the public about Internet crimes involving children. Safe Surfin’ works with the U.S. Department of Justice, school systems, public libraries that offer Internet access, law enforcement agencies, and corporate sponsors to expand its educational outreach. Safe Surfin’ seeks donations from individuals and corporations to further its mission.
Safe surfin’ tips
There are actions you can take to keep your children safe online. Prevent your child from being a cyberbullying target by knowing the facts and staying informed. Some tips to Safe Surfin’ include:
Ask your children what sites they spend a majority of their online time on and monitor them.
Limit Internet usage to a certain amount of time each day.
Collect Social Media passwords to access accounts if you become uncertain of your child’s online acquaintances.
Online bullying, or cyberbullying, is a problem for children of all ages. While parents are becoming more aware of the issue, it’s often hard to determine if your child is being targeted through various technologies like text messages, e-mails, Social Media, photos and videos, or websites.
Online bullying can be ongoing and have extremely negative effects on your child’s development and safety. How do you recognize and stop it?
Stay informed and talk about safe forms of online activity with your child. The amount of cyberbullying going on with children and teenagers is only increasing. What will you do to put a stop to it in your family?
The Hang 10 Safe Surfin’ Guide provides tips on how to stop online bullying and take control of your child’s online life. Cyberbullying can become a legal issue if it’s taken too far, and the threat is growing. Parents need to be aware of the signs and how to take action.
What do you know about Safe Surfin’? Is your child sexting? Is your child being bullied? Do your job by knowing the facts. Technology threatens your child’s safety and can potentially exploit their private information.
Did you know 1 in 3 teens ages 12 to 17 have experienced online harassment and 27% of teens play games with people they don’t know online*?
17% of tweens surveyed said they received an e-mail or online message with photos or words that made them feel uncomfortable. Only 7% of parents were aware of this**.
Only 15% of parents are in the know about their kids’ social networking habits, and how these behaviors can lead to cyberbullying**.
86% of girls claimed to be able to conduct online chats without their parents knowing, 57% could read their parents’ e-mail, and 54% could conduct a cyber-relationship**.
69% of teens regularly receive online communications from strangers and don’t tell a parent or caretaker**.
A 2012 Child Identity Fraud Report*** sponsored by the nonprofit Identity Theft Assistance Center provides data on the frequency, sources and consequences of child identity theft.
* National Center for Missing and Exploited Children, 2013
** GuardChild Protecting Children from the Digital Age, 2013
*** Report on Child Identity Theft
Some Startling Facts
Today’s youth are increasingly using the Internet for many reasons including researching information for school projects, playing games, entertainment, and for communicating with friends. However, the Internet contains many threats to the safety and innocence of our children, including exposure to inappropriate material, violence, and cyberbullying. Advances in technology provide an ever-widening avenue by which our children can be reached.
Life insurance is needed for the “what ifs” in life. What if I died unexpectedly? Could my family continue to live in our home? Would my children have the funds to be able to attend college? Will my family have the funds on hand to pay for my funeral and final expenses? Life insurance is there to provide financial help to those affected by the “what if” situations.
Whole Life Insurance and Term Life Insurance
There are two types of insurance, whole life and term insurance. The specifics of your life – your age, income, and other factors – will help determine which type of and how much life insurance is most appropriate for you. But one fact is always true – funds for your funeral and final expenses will always be needed. If the loss of your income would negatively impact those who depend on you, it may be prudent to add a term life policy to a whole life policy. Term life insurance can help your family financially if you should die during your peak earnings and asset accumulation years.
whole life insurance
Whole Life Insurance
Provides coverage for your entire life
Builds cash and loan value
Premiums never increase during your ownership of your whole life policy
The Freedom of Choice Final Expense plan
The Freedom of Choice plan is a whole life insurance policy 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. Your beneficiary can use our Freedom of Choice certificate which enables them to assign a designated amount to the funeral home.
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. A whole life policy with premiums payable to age 65 is also available.
And this is not speculation money they are gambling with. These are investments of their Tier 1 capital- the safest and most valued capital a bank holds. These banks could hire anyone on the planet to manage their Tier 1 capital, but they choose year in and year out to put billions of their most closely held capital on the line with cash value life insurance. Why? Because banks are in the business of growing income and they know how good of a deal a well funded cash value life insurance plan is.
These are banks, not your family.
Here are the best reasons for your family to consider whole life:
Strength and stability in all market conditions. Its value doesn’t rely on booms and busts of stock market and real estate markets. And that’s good because who can rely on the stock markets and real estate markets- let alone at the same time?
Unlike owning stocks and mutual funds, whole life carriers put policy holders first. Policy holders have the name and number of an agency who will address their ongoing concerns, answer their questions, and work with them through any adjustments to the policy, if needed.
Liquidity. Policy holders can make tax free withdrawals from their whole life policy. Compare that with the other popular alternatives. Taking out a loan where you are paying bank interest. When whole life policy holders borrow from themselves, they save thousands on interest also. And they don’t have to be approved to do so.
Whole life is self-completing whether you live, die or become disabled. Period. Also unlike IUL, whole life insurance guarantees that a death benefit will be paid as long as the premiums are paid,
With the proper design a whole life plan can be tax free retirement income stream under the current tax law.
“THERE ARE NO NEW FUNDAMENTALS” – JIM ROHM
Over the years, a handful of varieties of life insurance have tried to rewrite the book. In the next few decades, we’ll likely see a few new varieties attempt to do the same. Time is on the side of whole life insurance. The longer it is around (especially when its alternatives come and go), the better track record it will have. And time is on the side of whole life policy holders for all the aforementioned reasons.
Fundamentals cannot be replaced or gussied up. They are the cornerstones on which everything else is built. Whole life is original. Everything that came after it is just another variety. Before getting caught up in flash and fun of UL, VUL, or IUL policies, read the label. See what’s really on the inside. Unlike buying an unhealthy $4 box of sugary cereal, buying a sugar coated UL, VUL, or IUL policy has long term consequences that put policy holders’ financial health in jeopardy.
term life insurance
Term Life Insurance
Provides coverage for a limited period of time
If you were suddenly taken out of the picture, term insurance could help provide funds for your children’s college education, paying your mortgage or providing a monthly income for a period of time as your family adjusts to the loss of your paycheck.
Get protected with American Income Life Insurance Company
American Income Life Insurance Company can help you decide which policy will best fit your family’s needs. With less money than you might think, you can protect your family when the inevitable occurs.
Just the thought of an accident taking the life of a loved one is very troubling. Find out how American Income Life can help when an accident takes the life of a loved one.
An accident can happen to anyone at any time and in any place. No matter what your age or circumstances, you or a family member could be a victim. Picture your family trying to make ends meet without your paycheck. Just as accidents happen in an instant, the lives of your loved ones are changed in that same instant. AIL’s A71000 Accident policy pays cash benefits for accidental injuries. The A71000 is guaranteed renewable and cannot be canceled as long as premiums are paid on time.
The first question you’re asked at the hospital is not “What’s wrong?” or, “Where does it hurt?,” but “Do you have insurance?” American Income Life’s Hospital Indemnity policy can help during this time.
What would you do if you or a family member got sick or had an accident? Would you be able to afford a large hospital expense? What if your family could not access the level or amount of care needed to treat a sickness or an accident? No one can predict when they will get sick or have an injury. But there is one thing you can do: be prepared. American Income Life offers an affordable hospital indemnity insurance policy that can help protect your family from the unexpected.
Fisher Agencies offers a steady and challenging career path. We have tremendous opportunities for those self-starting people who are looking for a challenge and ready for change…
To find out more contact us at:
131 Middlesex Turnpike
Burlington, MA 01803
20 Cabot Blvd
Mansfield, MA 02048
189 Darling Avenue
Atlantic Place Building B47 Suite12
South Portland, ME 04106
Wouldn’t you like a Career with unlimited opportunity? Is a career with AIL/Fisher Agencies right for you? We’re looking for a select group of leaders, entrepreneurs, and high achievers who see the value in our unlimited opportunity. Say yes to AIL and we’ll give you the ability to have a long-term career, and run your own business as an independent contractor. A career with American Income Life gives you freedom. The choice is yours.
We’re looking for a select group of leaders, entrepreneurs, and high achievers who see the value in our unlimited opportunity. Say yes to AIL and we’ll give you the ability to have a long-term career, and run your own business as an independent contractor. A career with American Income Life gives you freedom. The choice is yours.
Want to earn a six-figure income?
American Income Life gives you the opportunity to earn as much as you desire. With a wealth of ambition comes a wealth of earning potential. See real life examples here at our AIL YouTube channel.
Love working with people and helping them perform to their fullest potential?
At AIL you will learn how to recruit, train, develop, and manage others. Training resources are continually available at AILAcademy.com.
Ready for a change in your career?
If you find yourself in a job without the compensation to match your ability, without the prospect of advancement, or without the flexible schedule you desire, American Income Life might be the solution to your dilemma.
New to the job market?
More and more college graduates find themselves unsure of a career path to pursue or unable to find work in this unstable economy. American Income Life offers a great opportunity to build your career, whether you’re just out of school, a seasoned professional, or even if you don’t have a college degree or sales experience. AIL’s number one requirement of representatives is the intense dedication to succeed.
Want to be an entrepreneur?
At AIL, you are in business for yourself, but not by yourself. If you have the ability and drive to train and manage, we will teach you how to build an Agency or expand your operation to other states.
Sales and Sales Management at AIL Insurance Company
American Income Life, a subsidiary of Torchmark Corporation, has been in business for more than 50 years and is nationally recognized as one of the significant providers of supplemental life insurance in North America to labor unions, credit unions and associations. We are currently expanding and, as a result, we’re looking to fill positions in Entry Level Sales and Sales Management.
First year earnings for entry level sales positions are between 40–60k and management are between 60–80k. Both positions are performance based. We have an international PR team devoted to generating leads for the sales force. Our leads are a result of endorsements between our company and more than 20,000 unions, credit unions and associations.
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.
Available at No Cost
Tools for Parents
Endorsed by the International Union of Police Associations
child safe events
Join Us at These Upcoming Child Safe ID Kit Events: