Welcome to Lloyd Agencies a division of American Income Life Insurance Company. We are an exclusive benefits provider, American Income Life is a member of Torchmark Corporation a financial services holding company listed on the New York stock exchange. Torchmark Corporation has claimed a position on the Forbes Global 2000 list of the world’s largest companies. Annual sales of $3.4 billion and assets exceeding $17.2 billion earned the number 1,388 spot on the list for Torchmark. This annual ranking of the world’s biggest companies use sales, profits, assets and market value to rank companies according to size. This year’s ranking span 66 countries. Torchmark has been profitable for the last eight quarters, and for the last four, profit has risen year-over-year by an average of 15.3%. The largest gain for the company was seen in the fourth quarter of the last fiscal year, when net income swelled by 36.6%. We are rated A plus from A.M. Best Company. Due to the fact that our company does not advertise to the general public our members are able to take advantage of lower cost products. These benefits are cost effective for the employee while no contribution from the employer is needed. Your employees will receive one on one service (single point of contact) and they will own and control these benefits. Thank you for taking some time to review this small business benefit program. We are sure you will find this program to be an asset for your organization.