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Life Insurance

Protect the people who count on you.

From affordable term coverage to permanent policies that build cash value, we compare top-rated life carriers to protect your family’s future.

Independent & licensed We compare multiple trusted insurance companies Free, no-obligation quotes · Se habla español
Life Insurance from American Insurance
American Insurance advisor helping a client
Why American Insurance

What you get when you work with us

  • Term, whole, and indexed life — matched to your budget.
  • No-medical-exam options on many policies.
  • Living benefits for critical and chronic illness.
  • A licensed advisor to review your coverage as life changes.
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Why families buy it

Life insurance is really about the people you love

Nobody wants a policy. They want the people who count on them to be okay. Here’s what that looks like in real life.

Protecting your spouse & childrenSo the people you support don’t face a financial crisis on top of a loss.
Replacing lost incomeYour paycheck is your family’s foundation. Coverage keeps it going.
Paying off the mortgageSo your family can stay in the home you built together.
Covering final expensesFuneral costs and medical bills, handled — not passed to your kids.
Leaving a legacySomething meaningful for the next generation, or a cause you care about.
Building long-term securityCertain policies build cash value you can use during your lifetime.
Plain-English comparison

Term, Whole, or IUL?

Not sure which type of life insurance is right for you? Our licensed advisors will explain your options and help you choose the coverage that best fits your family and your goals.

Most affordable

Term Life

How it works
Coverage for a set period — typically 10, 20, or 30 years.
Best for
Young families, mortgage protection, income replacement during working years.
Cash value
No
Cost
Lowest cost per dollar of coverage
Learn more →
Lifetime coverage

Whole Life

How it works
Permanent coverage with level premiums and guaranteed cash value growth.
Best for
Lifelong needs, final expenses, estate planning, leaving a guaranteed benefit.
Cash value
Yes — guaranteed growth
Cost
Higher, but fixed for life
Learn more →
Flexible

Indexed Universal Life

How it works
Permanent coverage with flexible premiums and cash value tied to an index, with a floor and a cap.
Best for
Those wanting permanent coverage plus tax-advantaged accumulation potential.
Cash value
Yes — index-linked growth potential
Cost
Flexible, varies by design
Learn more →

Guarantees are based on the claims-paying ability of the issuing insurance company. Policy features, availability, and pricing vary by company and state.

A family together
Often overlooked

Benefits you can use while you’re living

Most people think life insurance only pays out after they’re gone. Many modern policies do more than that.

Depending on the policy, living benefits may let you access a portion of your death benefit early if you experience a qualifying illness — money you can use for treatment, bills, or simply keeping the household running.

  • Critical illness — such as heart attack, stroke, or cancer.
  • Chronic illness — when you need help with daily living activities.
  • Terminal illness — access to funds when you need them most.

Availability, qualifying conditions, and payout amounts vary by policy and company. Accessing living benefits reduces the death benefit.

Good to know

Common questions

How much life insurance do I need?
A common starting point is 10–12 times your annual income, but the honest answer depends on your mortgage, debts, children’s ages, your spouse’s income, and what you want to leave behind. A licensed advisor will walk through the math with you — free and with no obligation.
What’s the difference between term and whole life?
Term covers you for a set number of years at the lowest cost and pays only if you pass during that term. Whole life covers you for life, costs more, and builds guaranteed cash value you can borrow against. Many families use a mix of both.
What is an IUL?
Indexed Universal Life is permanent coverage with flexible premiums, where cash value growth is linked to a market index — typically with a floor that limits losses and a cap that limits gains. It’s more complex than term, so we’ll explain the trade-offs clearly before you decide.
Do I need a medical exam?
Not always. Many companies now offer no-exam coverage with approval in as little as a few minutes, especially at lower face amounts. Larger policies may require a quick exam or health questions.
Can I get coverage if I have health conditions?
Often, yes. Different companies rate the same condition very differently — which is exactly where being independent helps. We shop the companies most likely to approve your situation at the best rate.
How much does life insurance typically cost?
It depends on your age, health, coverage amount, and policy type. Term coverage for a healthy adult is often less than many people expect. We’ll show you real numbers for your situation at no cost.

Ready for coverage that fits your life?

Get a free, no-obligation quote in minutes — or talk to a licensed advisor today.

Schedule A Call With A Licensed Advisor

Pick a time that works for you — free, no obligation.

Raiza SpencerDaniela IrahetaJanalyn LievanoKarla Lievano
Advisors Available Now
You’ll speak with Raiza, Daniela, Janalyn or Karla — licensed advisors, not a call center.
  • Takes about 60 seconds
  • No obligation
  • Licensed advisor
  • We compare multiple companies

Prefer to talk now? Call (801) 531-2060.

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