No Cost AD&D Coverage

No Cost Accidental Death & Dismemberment Benefit

Provided to PALCO Federal Credit Union Members at NO COST. All primary members are covered for up to $3,000.00 in accidental death & dismemberment benefit provided by American Income Life Insurance Company. There is nothing you need to do to qualify for this coverage, just by being a primary account holder at PALCO you are eligible. For more information on this no cost value added benefit please contact:

Jeffrey Hapke
(866) 797-6455

In addition to the No Cost AD&D Benefit, American Income Life also offers:

  • 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. This plan provides members and their families with discounts at point of service on vision, hearing, prescription drugs and chiropractic therapy. On average, members receive discounts up to 30% per perscription and up to 60% on vision care, chiropractic therapy and hearing aids

    Basic Program Discounts include: Eye Care Plan, Hearing Plan, Prescription Drug Plan, Chriopractic Plan
    Gold Program Discounts include: Basic Program Discounts plus Dental Plan, Vitamins & Nutritional Supplements, Travel Assist & 24-hour Nurse HelpLine

    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, (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

  • No Cost Child Safe Kits -
    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 families in the event of an emergency

  • Hang 10 Surfin' Guide -
    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)