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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  

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