Products
The Globe Life: Omid Organization offers several premium and no-cost products available to families of labor/credit unions, associations, and other organizations.
- Life Insurance
- Supplemental Health
- No-Cost Products
Life Insurance
It’s not about you. Life insurance is something you do to help 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.
Whole life insurance and term life insurance
There are two types of insurance: whole life and term life. The specifics of your life — age, income, and other factors — help determine which type of and how much life insurance is appropriate for you.
But one fact remains 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 earning and asset accumulation years.
Whole Life Insurance
Provides coverage for your entire life
Premiums never increase during ownership of your whole life policy
Builds cash and loan value
Term Life Insurance
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
(B5000 Series)
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. Complete details of the benefits, terms, conditions, and exclusions of specific policies and availability should be obtained from the agent or American Income Life.
Legacy Will Kit
Help protect what you’ve built. American Income Life’s no-cost Legacy Will Kit helps you decide who will take care of your family, leave all you’ve worked for to those you love, and secure your future wishes.
Head Start Program
With American Income Life’s Head Start program, you can give your loved one a head start on a lifetime of coverage – regardless of future health issues.
Final Expense Program
With American Income Life’s Final Expense program, you can help your family pay the mortgage, pay off debt, plan your final arrangements, and more when the time comes.
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. Complete details of the benefits, terms, conditions, and exclusions of specific policies and availability should be obtained from the agent or American Income Life.
This life insurance does not specifically cover funeral goods or services, and may not cover the entire cost of your funeral at the time of your death. The beneficiary of this life insurance may use the proceeds for any purpose, unless otherwise directed.
Accident and Supplemental Health Insurance
Being prepared is important … especially if you develop a health problem like cardiovascular disease, 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.
The A71000 policy series
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. This is an accident-only policy. Complete details of the benefits, terms, conditions, and exclusions of specific policies and availability should be obtained from the agent or American Income Life.
Hospital Indemnity (Policy Form H34000)
American Income Life offers a hospital indemnity insurance policy that can help protect your family from the unexpected. Complete details of the benefits, terms, conditions, and exclusions of specific policies and availability should be obtained from the agent or American Income Life. This is a limited policy.
Cancer Protection (CNM, C10000 and C20000 series)
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. Complete details of the benefits, terms, conditions, and exclusions of specific policies and availability should be obtained from the agent or American Income Life. THIS IS A CANCER ONLY POLICY
*Financial Toxicity and Cancer Treatment, American Cancer Society, 2024
Critical Illness (Policy Form: CI0000
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. Complete details of the benefits, terms, conditions, and exclusions of specific policies and availability should be obtained from the agent or American Income Life. THIS IS A LIMITED POLICY
No-Cost Products
American Income Life offers a variety of no-cost products to help provide valuable protection for you and your family.
Legacy Will Kit TM
Help protect what you’ve built.
You built a blissful life: made your house a home, raised bright children, and connected with your neighbors and community. A life well-lived deserves a proper send-off.
American Income Life’s no-cost Legacy Will Kit helps you decide who will take care of your family, leave all you’ve worked for to those you love, and secure your future wishes.
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 by the International Union of Police Associations, 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, schools, and child care centers.
Our Line of Work
Products & Services
Omid Organization takes pride in being approachable and easy to work with, helping you to make the right decisions for your family for decades to come.
Life Insurance
Policy Holders
Update your info, manage your policy and more… as you continue living life with your loved ones.
Supplemental Health
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.
Hospital Indemnity
If you or a family member got sick or had an accident, would you be able to afford a large hospital expense? American Income Life offers an affordable hospital indemnity insurance policy that can help protect your family from the unexpected.
Cancer Protection
Cancer diagnosis often causes financial hardship for families whether the patient is the primary wage earner or another member of the family. Many men and women don’t have the financial resources to survive while they are unable to work.
Critical Illness
How would you handle a critical illness? How would you pay deductibles 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.