Art Williams, from "his parents' experience, and believing that his father had been misled, and doing some research on life insurance, Art became a crusader for the term insurance concept."

"In 1963, his father died unexpectedly of a heart attack, leaving his family with no will and very little life insurance. Art, in college at the time, knew little about life insurance, but several years later at a family reunion, a cousin introduced him to a different concept-"buy term and invest the difference."

Art form the A.L. Williams & Associates in Atlanta, Georgia, with just 85 agents. A.L. Williams became one of the fastest-growing companies in modern business history. After six years in the industry, it was the largest term life insurance company. In ten years, it was a billion-dollar company. By 1990, the company had a sales force of 225,000 people and ranked as the largest seller of individual life insurance in the United States, selling $93.5 billion in face value of individual life insurance. In just 12 years, the company became the first in the entire industry to have more than $300 billion of life insurance in force, a milestone no other company has reached yet.