Skip to main content

American Income Life and Firefighter Credit Unions



Dear Firefighter Credit Union,
While some of our NCOFCU Firefighter Credit Union members have been participating in the American Income Life Insurance Company (AIL) “no cost” benefits programs for many years, we would like to introduce AIL and its offerings to all of our NCOFCU Firefighter Credit Unions not currently participating. I have asked the Public Relations/Marketing Representative from AIL to contact you to discuss making their No Cost Benefit Program available to your NCOFCU Credit Union. AIL is strongly committed to serving Firefighter Credit Unions and the working family agenda.
The benefits program available through AIL includes the following:

  • $3,000 group Accidental Death and Dismemberment benefit, which is provided at no cost to all members of your credit union
  • Health Services Discount Card providing up to 60% discounts on Vision Care, Hearing Aids,Prescription Medication, and Chiropractic Care (Not available in all states.)
  • Child Safe Kits endorsed by the International Union of Police Associations
  • After several discussions with AIL regarding their products, we have found the no-cost benefits to be beneficial to NCOFCU Firefighter Credit Union members and their families.

We have, therefore, encouraged AIL to contact each NCOFCU Firefighter Credit Union that they are not working with to explain the programs and provide the necessary details for implementing them. There is no obligation for any NCOFCU Firefighter Credit Unions to participate.
If a NCOFCU Firefighter Credit Union elects to participate, the following should be kept in mind. Each member will receive a letter from their NCOFCU Firefighter Credit Union telling them that they are covered for this benefit at “no cost” to the member.
After the announcement letter, the AIL representative would call on each member that has returned the prepaid reply card to explain the AD&D benefit, deliver the Certificate of Coverage and obtain the beneficiary designation. Although each member of a participating NCOFCU Credit Union is covered from the date the NCOFCU Credit Union is issued the group policy, it is still important that the member have the opportunity to understand the coverage and designate a beneficiary.
When the AIL representatives call on members who have returned their reply card, in addition to providing the service of explaining the benefit plan, they will make available to the members (on a voluntary basis, of course) information on the additional insurance programs AIL offers.
At no point is there ever any cost to your NCOFCU Credit Union relative to the mailing, printing, postage, etc. We urge you to consider participating in this program being made available by American Income Life Insurance Company. \ 
For more information contact our representative,  Crystal Senour, Public Relations/Marketing Specialist, AIL Ins.Co.,Inc, crsenour@ailife.com, 908-442-2046  

Comments

Post a Comment

Please no profanity or political comments.

Popular posts from this blog

Both Sides of The Desk!

With over 50 years of experience in the credit union sector, I have had the privilege of observing and participating in its evolution from various vantage points. My journey has taken me from serving as a dedicated volunteer holding critical leadership roles, including serving on the supervisory committee, as director, and as board chairman, culminating in my tenure as CEO for 12 years and now founder and President/CEO of the National Council of Firefighter Credit Unions . This extensive background has enabled me to " Sit On Both Sides Of The Desk ," blending operational expertise with strategic oversight. In this blog post, I want to share how this dual perspective has enriched my understanding of credit union dynamics and fostered more effective governance. By leveraging the insights gained from years spent navigating both the intricacies of daily operations and the broader strategic objectives, I have witnessed firsthand the transformative power of collaboration, communi...
Post a Comment
Read Complete Article HERE>»

Unlocking the Power of Emeritus Board Positions in Credit Unions

  Explore how the Emeritus Board Position in credit unions honors long-serving members, offering them a chance to mentor new leaders while maintaining strategic influence without the responsibilities of active board roles.
Post a Comment
Read Complete Article HERE>»

How To Make Decisions With Conviction—Even Under Pressure

Why strong leaders act when others hesitate — and how to develop that confidence without needing every answer. I’ve watched smart, experienced leaders freeze. And I’ve been in that same position myself. It’s not because we lack information, but because we don’t feel ready to choose. Leaders often get stuck because they’re waiting for the perfect moment to act. They’re thinking through the consequences, weighing the trade-offs, trying to get it right. But the longer they wait, the harder it becomes to move at all. The truth is that the worst decision isn’t always the wrong one. It’s the one you never make. If you’re in a leadership role, you don’t always get the luxury of knowing. You have to move anyway. Not recklessly, not blindly, but with clarity, purpose and conviction. In high-pressure moments, the gap between average leaders and great ones gets exposed. It’s not a gap in intelligence or experience. It’s a gap in decisiveness. Because conviction doesn’t mean certainty—it means mak...
Post a Comment
Read Complete Article HERE>»

Fed Kicks Off Two-Days of Meetings Today as Critics, Proponents Respond to Rate Increases; Plus, What CUs Should Expect

CUToday WASHINGTON–The Federal Reserve’s Open Market Committee (FOMC) will kick off two days of meetings today and the decision they announce tomorrow will affect everything from the major U.S. markets to credit unions that are seeing strong loan growth to individual credit union members struggling with monthly bills. The FOMC is widely expected to again raise its benchmark rate as it seeks to cool raging inflation. Among those expecting rates to be higher by Wednesday afternoon is CUNA’s chief economist, Mike Schenk, who expects the Fed will push up rates by 75 basis points. That follows the full one percentage point increase made during the Fed’s July meeting. “That’s pretty substantial, but inflation is over 9%,” said Schenk...
Post a Comment
Read Complete Article HERE>»

Live - Podcast Understanding The Importance P&L Statements

A Weekly Dose of Innovation for Credit Unions Serving First Responders Welcome to the NCOFCU Podcast: Your Weekly Dose of Innovation. Hosted by Grant Sheehan CCUE | CCUP | CEO, NCOFCU, this podcast is your definitive source for the latest news, insights, and trends in the first responder credit union world.
Post a Comment
Read Complete Article HERE>»