As an active or associate member of FOP State Lodge of Michigan, you have a no-cost $3,000 Accidental Death & Dismemberment benefit. This benefit and others listed below are provided jointly through FOP State Lodge of Michigan and American Income Life Insurance Company (AIL), a 100% union company serving working families just like yours.
AIL currently has over 120,000 FOP members covered under AD&D policies at no cost. Since 1990, more than $2.6 million in life, health, and no-cost AD&D benefits has been paid to over 1,200 FOP members and their families.
Please return the card so you may receive your certificate of coverage and name your beneficiary. If you do not name your beneficiary, the $3,000 would be paid to your estate and may be taxable.
Those who return the card can receive a Health Services Discount Card for you and your family at no cost that provides household discounts of 10% to 60% on prescriptions, hearing care, vision care/products, and chiropractic care. Optional discount dental is available.
You can also receive Child Safe Kits for your children and grandchildren at no cost. These kits help you gather vital data, photos and fingerprints for authorities in the event of an emergency.
An AIL representative, who is a member of OPEIU Local 277, will call on you to deliver your certificate of coverage, provide your no-cost benefits, and witness your beneficiary designation. AIL has other supplemental insurance programs, presented in the spirit of “Be Union – Buy Union,” available strictly on a voluntary basis. If you have questions, please call American Income Life Insurance Company at 1-800-495-1213.
Please return the card right away or respond online at
mybenefits.ailife.com. Enter access code: sgmuv