Income & Mortgage Protection

The mortgage doesn't pause. The bills don't pause. But income can — without warning.

This session is built for working families who have a mortgage, a spouse or partner who depends on their income, or children who need financial stability through adulthood.

We walk through AIL's full term lineup — 4-Year, 10-Year, 20-Year, Decreasing Term, and Term to 65 — show you real premium numbers from the 2025 ratebook, and explain how stacking a whole life base with term protection creates a complete income plan.

We also cover the conversion advantage: how to move from term to whole life without a new medical exam — and why that matters more than most people realize.