Our Insurance Plans

Our Insurance Plan Builds Equity Or Cash Value
All plans are permanent plans of life insurance.  The type that you own.  Each premium you pay buys a part of the plan.  Should you stop paying premiums, you own the part you paid for—for life.  Your equity, or cash value, builds yearly and is available to you for opportunities or emergencies when you need it or want it.

Your Need For Life Insurance Has Grown
Inflation has taken its toll on our dollars.  The U.S. Department of Commerce tells us that a $10,000 life insurance plan, purchased just ten years ago, has purchasing power in today’s dollars of only ^$4,000.  And, no one has ever died with too much life insurance.  When you live and don’t use your plan as life insurance, your attractive cash value will be available for use as added income at retirement.  Just as no one has ever died with too much life insurance, no one has ever retired with too much income.

Lower Rates—Modern Design
The premium you pay for the amount of life insurance you choose will be based on your age last birthday.  We also use modern interest rates.  Most life insurance offered today is based on the mortality tables and interest rates that prevailed in the 1950’s.  Not ours.  The plans and rates of the past just won’t do.   We keep our expenses low, too.  All of these factors combined give you the best life insurance buys available.

A Plan Of Insurance For Today
Yesterday’s insurance plans were rigid, inflexible, and higher in cost.  No longer when you are insured with ATS.  We recognize that today’s economy calls for up-to-date flexible protection.  And, you’ll find our rates lower than elsewhere.

Your First Decision
Obviously, your first decision is that you need more life insurance.  Your second decision is whether you want to rent or own your life insurance. If you prefer owning rather than renting, then this ATS plan is for you.

How Much Insurance Is Enough
The amount of life insurance you should own depends on the job you want it to do some day.  We have a means, objectively, to help you determine the amount.
Another way is to determine how much you are worth,  alive and working to age 65.   Simply multiply your annual income today by the number of years left to you’re age 65.  That’s considered your economic worth. Now, if you had died last night, how much life insurance would have been paid to your survivors?  If there is too big a difference between what you are worth alive to age 65 and what you are worth if you had died last night, you need some more life insurance.  The amount should be based on what you can afford.
The odds of your auto being in a wreck this year are 1 in 250.  The odds of a fire in your residence this year are 1 in 1200.  But, the odds of your losing your life this year, naturally or accidentally, are 1 in 150.  That certainly tells you which risk you should insure first.

We Do The Rest
The ATS is a fraternal benefit society, a non-profit corporation.  We are owned by our member insured’s.  Yes, you are a member and not a number with the ATS.   As a member, you can participate in all of our fraternal activities and fellowship.   More important, when parents of young children are insured members of the ATS, they get extra peace of mind in knowing that should their children become orphaned, the children have a monthly income payable until they are age 19. Scholarship benefits are available for orphans who can qualify.  You will want complete details of this important and valuable protection.