The insurance coverage you need to keep you, your family & your assets safe!

At The Washington Agency of AIL, we’ll review your coverage needs, figure out what’s right for you and your family and shop for the best rates.

Life Insurance | Final Expense Protection | Income Protection | Mortgage Protection | Children’s College Plans | Cancer Plans | Get Hurt Get Paid Program

Life Insurance:

It’s not about you. Life insurance is something you do to protect those you love so they don’t suffer financially if your income is no longer there. Life insurance can be the only thing that stands between your loved ones and financial hardship.

What is life insurance?

Life insurance is needed for the “what-ifs” in life. What if I die unexpectedly? Could my family continue to live in our home? Would my children have the funds 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 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, consider adding a term life policy to a whole life policy. Term life insurance can help your family if you die during your peak earnings and asset accumulation years.

Whole Life Insurance

Term Life Insurance

  • Provides coverage for your entire life
  • Premiums never increase during ownership of your whole life policy
  • Builds cash and loan value
  • Provides coverage for a limited period of time
  • After that period, policyholders typically pay increased premiums to continue coverage
  • Usually less expensive than whole life insurance

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.

Accident & Supplemental Health Insurance

Being prepared is important—especially if you develop a health problem like cardiovascular disease or stroke, cancer, or are involved in an auto accident that lands you in intensive care. These events can impact not only your health, but also the financial wellbeing of your family. American Income Life can help you be more prepared to face the future.

Our supplemental insurance products complement any insurance you may already have in place and pay in addition to any other coverage you have. No “primary/secondary” rules. You get the benefits you signed up for.

Accident Protection:

Just the thought of an accident taking the life of a loved one is very troubling. 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.

Hospital Indemnity:

The first question you’re asked at the hospital is not “What’s wrong?” or, “Where does it hurt?” but “Do you have insurance?” 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. American Income Life offers an affordable hospital indemnity insurance policy that can help protect your family from the unexpected.

Cancer Protection:

When cancer strikes, it shows no favoritism. Everyone is at risk. Medical advances have increased chances of survival, but surviving a cancer diagnosis often causes financial hardship for families whether the patient is the primary wage earner or another member of the family. The majority of working men and women don’t have the financial resources to survive while they are unable to work. Our Supplemental Cancer plans may help offset the financial burden.


Critical Illness:

How would you handle a critical illness? Could you pay your bills and take care of your family financially if you were unable to work for weeks … or months? What is your risk of having a critical illness? With people living longer, they’re more likely to experience a critical illness like a heart attack or stroke. How would you pay deductibles, copayments, or coinsurance and other out-of-pocket medical expenses related to your illness? A critical illness policy can mean the difference between financial security and financial hardship. The benefit can help ease your financial burden and lessen your worry.

File a Claim:

On our Claims page, you will find helpful information regarding the claims filing process for various types of benefits. Clicking on the links will take you to information such as claims filing instructions, printable forms, and examples of certain required documentation.

eService login:

American Income Life Insurance Company is committed to providing the best service possible to you, our valued customer. We’ve made it easy to answer your policy questions 24-hours a day — online! To view policy info, click the button below for the eServiceCenter login.

No-Cost Products:

No-Cost Child Safe Kit®

Every parent has had the frightening experience of looking away from their child for mere seconds, only to find them gone when they look back. Fortunately, they are usually quickly found close by. But what if they’re not? AIL’s Child Safe Kit® makes pertinent information about your child available in one place, at a moment’s notice, when seconds count the most.

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 provides these kits at no cost to parents/guardians, the school, or child care center.

Safe Surfin’ Guide

To help keep kids safe online, American Income Life offers a No-Cost Parents’ Guide to Internet Safety, a comprehensive booklet of information.

The Safe Surfin’ Guide, developed in cooperation with the Safe Surfin’ Foundation, is your resource to help identify unsafe online activities, to eliminate cyberbullying, and to record online information (such as passwords to Social Media accounts).

As a parent, it’s your job to promote online safety tips for your children and ensure they don’t become a victim of wrongdoing.

No-Cost AIL PLUS Program

Want to drive down the cost of health services? Of course you do. AIL can help with its outstanding health services discount program, AILPlus.

This is not an insurance program. AILPlus 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. Members can save 10% to 85% on healthcare products and services from thousands of providers nationwide.

To welcome you onboard, we’re offering:

Free computer-based needs analysis


Free child safety kit for children under 16


The Washington Agency….

Giving Our All, To Protect Your All

Please contact us for your family’s needs. Our guarantee is to Always Put Your Family First. We have comprehensive plans that are customizable to fit your needs. This gives us the ability to structure plans to fit any budget. Our job is not to replace any coverage that you may have, but to fill in any gaps that may exist.