Consumer Information / Consumer Brochures

75 Million American Families Count on Us

Life is unpredictable. That's why American families turn to life insurance, annuities, long-term care and disability income insurance.

Whether it's protection against the risk of premature death, outliving savings in retirement, lost income due to disability, or paying for long-term care, life insurers provide the financial protection and retirement security products that American families count on.

Browse these pages to learn more about life insurance, annuities, long-term care insurance, disability income insurance, missing policy tips, workplace retirement plans and IRAs.

ACLI Consumer Brochures (English and Spanish)

Disability Income Insurance: Financial Protection for You and Your Family 
Disability income insurance protects your financial security should an injury or illness prevent you from working for a long period of time. This guide outlines the features and costs of individual disability income insurance and offers tips and a checklist on buying the right policy (PDF) for you. (Available in English (PDF) and in Spanish (PDF).)

The Individual Annuity: A Resource in Your Retirement 
To achieve a secure retirement, more retirees are including an individual annuity in their plans. This guide has been prepared to help retirees understand what an individual annuity contract is, what options are available, and how the right choice might enhance retirement security. (Available in English (PDF) and in Spanish (PDF).)

Long-Term Care Insurance: Protection For Your Future
A lifetime of retirement savings can be wiped out by an unexpected need for nursing home, assisted living, or at-home care. Long-term care insurance can cover the costs of those long-term care services and protect lifetime savings. This guide answers commonly asked questions about long-term care insurance and provides a checklist for selecting a policy. (Available in English (PDF) and in Spanish (PDF).)

What You Should Know About Buying Life Insurance
Life insurance protects your financial future and provides the resources your family or business may need to pay immediate and continuing expenses when you die. (Available in English (PDF) and in Spanish (PDF).)