FMP UNLIMITED is an independent firm representing and distributing American Income Life products in the state of Rhode Island. FMP UNLIMITED has emerged as a rapidly growing agency servicing hardworking individuals and union members with all their financial service needs. Our team is filled with highly driven individuals who value our unlimited opportunities.

Francisco Perez

A graduate of Rutgers University with a degree in Business Management, Francisco Perez came to American Income Life Insurance Company after 13 years in the restaurant industry. Now an Business Owner in Rhode Island/southeastern Massachusetts, Francisco says, “I joined AIL for financial opportunity. I had not been able to make the money I needed to support my family unless I had two to three jobs. Knowing I can provide financially for my family has been the most rewarding part of joining American Income Life.”

AIL has brought more than financial success to Francisco; it has brought him recognition within the Company. In 2002, he was the #3 General Agent, a member of the Founder’s Club and recognized in the Company magazine, Spotlight, numerous times.


Francisco relates to the products American Income Life offers. “AIL’s products protect the working class people which I come from.” He knew he had made the right decision joining AIL when he attended his 20th high school reunion. “I looked around me and saw many people who were not happy with where they ended up in life. Most of them did not have the vehicle to fulfill dreams.” He knew he had that vehicle in American Income Life. Francisco says, “If you feel you deserve more in life, then join AIL. You can create the options you want in life for your family and make the money you need to realize those options.”

What advice does Francisco give to someone new to AIL? “Dream! You have the opportunity at American Income Life to carve out your piece of the pie. All you have to do is dream big, create a plan, resolve to follow the plan, and get to work.”

Francisco’s career interests carry over to his free time when he enjoys reading books on sales and leadership.


American Income Life is an international Company protecting working families in the United States, Canada, New Zealand, and through their wholly-owned subsidiary, National Income Life Insurance Company in New York.
American Income Life has served working class families since 1951 with life, accident, and supplemental health products to help protect members of labor unions, credit unions, associations, and their families. AIL representatives develop long-term relationships with clients and meet them where they are most comfortable … their home.

American Income Life at a Glance

  • Headquartered in Waco, Texas
  • Life, accident, and supplemental health insurance
  • American Income Life Insurance Company has earned the A (Excellent) Financial Strength Rating from A.M. Best Company (as of 7/21).*
  • Portable insurance coverage — if you move or change jobs, our insurance coverage stays with you
  • Individual, single parent, and family policies available

*This rating refers only to the financial strength of the company and is not a recommendation of the specific policy provisions, rates, or practices of the insurance company.