Many think the decision for life insurance is way off in the future. But at every stage of your life—marriage, new baby, new home, kids going to college—you need to consider if your family has the financial protection they need if something were to happen to you. Term life insurance can help you plan for your family's future and their needs if something were to happen to you.
The Homesite Life Insurance program, underwritten by American Family Life Insurance Company, provides financial protection to help replace your income, make mortgage payments or supplement education funds in the event of your death during the life of your policy—in your choice of affordable 10, 20 or 30-year coverage terms.
10, 20, 30-year terms available
18-45: 10-year, 20-year, 30-year terms
46-50: 10-year, 20-year terms
51-60: 10-year term
Age 18-40: $50,000 - $350,000
Age 41-60: $50,000 - $250,000
Term life is usually the most affordable life insurance protection because it offers coverage for a specific number of years. It can help cover college expenses, a mortgage, or other financial obligations if you die. However, term life insurance coverage lasts only for the specified number of years.
It's convenient. You can apply for—and receive—a term life policy in just minutes, subject to underwriting approval. You don't have to take time out of your schedule to meet with insurance agents or medical professionals.
Life Insurance approval is subject to health history and underwriting guidelines. Not all applicants will qualify. Coverage amounts vary by age. See policy for specific details of coverage.
The minimum amount of coverage is $50,000. If you're 18-40, you can get up to $350,000. If you're 41-60, you can get up to $250,000.
10-year term: Premiums are guaranteed level for 10 years, the policy ends after 10 years, available for ages 18-60.
20-year term: Premiums are guaranteed level for 20 years, the policy ends after 20 years, available for ages 18-50.
30-year term: Premiums are guaranteed level for 30 years, the policy is renewable until age 95, available for ages 18-45.
For the 10 and 20 year term products the premiums are guaranteed to remain level for the entire coverage period. For the term to age 95, premiums remain level for the first 30 years and then increase annually.
Apply for a term life policy and be approved in just minutes, in many cases. Call (877) 536-2373 and a licensed professional will talk you through the application process on the phone. If you get approved then we'll ask for your first monthly payment. You're covered.
We use state-of-the-art technology to quickly analyze the information you provide us to paint a picture of your risk, saving you time and hassle.
With your permission, we use patented technology to analyze your data (such as prescription and driving history) and determine your risk level. In seconds, we crunch the numbers and compare that information to the answers you've given us on the application.
You'll receive a full refund if you change your mind and inform American Family Life Insurance Company within 30 days of delivery of your policy. That's a guarantee.
Suicide. If the cause of death is suicide within the first two years of the issue date, then we pay the beneficiaries no more than the amount of all premiums paid less any dividends paid.
We're happy to answer all your questions. Call (877) 536-2373 now and talk to a licensed professional.
Our hours of operation: M-F, 8:00 AM - 9:00 PM EST.
Life Insurance rates and eligibility are subject to health history and underwriting guidelines. Not all applicants will qualify. Coverage amounts vary by age. For specific details of coverage see policy forms ICC14-LD10001/ICC14-LD10101 and state variations. This term life insurance is underwritten by American Family Life Insurance Company 6000 American Parkway, Madison WI, 53783. These policies are not available for sale in FL, ME, MT, NY, and PA. American Family Life Insurance Company is not licensed in NY.