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Whole Life Insurance

DreamSecure Whole Life Insurance

  • Permanent coverage that helps provide financial protection for those who matter most to you
  • You can keep your loved ones' dreams alive with this fixed-premium policy

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What is Whole Life Insurance?

Protect your loved ones with whole life insurance. It's a lifelong policy with premiums that remain the same and it includes living benefits like cash value.

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At American Family Life Insurance Company, we don't believe in a one size fits all approach.

That's why we offer a variety of life insurance options and coverages, built to fit your life.

Designed with affordability in mind, a DreamSecure Whole Life insurance policy is a simple, convenient way to help you protect your family's future.

A whole life insurance policy provides long-term coverage, with premiums that never increase, even if your health changes.

Want the security of additional coverage down the road? With a guaranteed purchase option benefit rider, you can buy additional coverage at specific times in your life, without additional medical questions or exams.

And a DreamSecure Whole Life Insurance policy builds cash value.

Think of DreamSecure as financial protection and peace of mind to live your life today, all in one policy.

Get the financial protection you and your family deserve with a life insurance policy that fits your life.

Get DreamSecure.

Contact your agent today.

Our Whole Life Policies

In addition to whole life policies for children and seniors, we offer: DreamSecure 15 Pay Whole Life Insurance – fully paid after 15 years with coverage that lasts a lifetime.

DreamSecure Whole Life Insurance – permanent coverage with guaranteed level premiums that are stretched out until age 100.

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Did you know?

We make it simple to help you determine the amount of coverage you need with our Life Insurance Calculator.

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Benefits of Whole Life Insurance

Our whole life policies help you protect your loved ones financially. With this permanent coverage, you'll have peace of mind knowing your loved ones are cared for when you pass away.

Fixed Premiums

Your premiums won’t increase regardless of age or health changes. That means no surprises and no increased financial burden with life changes.

Accumulates Cash Value

You may need money to help pay for things like unexpected car maintenance costs. The cash value grows over time allowing you to borrow against it in the form of a loan or, if you no longer need the coverage, you could surrender the policy and take the cash value.*

Long-Term Protection

You know you need life insurance but don’t want to worry about coverage ending after a set number of years. When you buy DreamSecure 15 Pay Whole Life Insurance or DreamSecure Whole Life Insurance, you're getting lifelong coverage.

Keep Your Policy Through Injury or Illness

For another layer of protection, consider buying the Waiver of Premium Benefit Rider. It waives premiums if you become totally disabled.

More Coverage When You Need It

You're a new graduate and plan to marry in the next few years. While you've opted for a lower coverage amount now, you'll need more after you start your family.

Adding the Guaranteed Purchase Option Benefit Rider allows you to buy more life insurance at specified ages and life events without medical questions or an exam.**

Add Coverage on Your Children

Buying the Children’s Insurance Rider provides $15,000 of term life coverage on eligible children. The cost of the rider is the same, regardless of how many children you have, and coverage can be converted to a long-term policy.
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Frequently Asked Questions

American Family Insurance Life Insurance Policy Comparison

Life Products

Simplified Term Life Insurance

Term Life Insurance

Whole Life Insurance

Children's Whole Life Insurance

DreamSecure Flexible Life Insurance

Senior Whole Life Insurance

Temporary Coverage
Included
Included
Not Included
Not Included
Not Included
Not Included
Permanent Coverage
Not Included
Not Included
Included
Included
Not Included
Included
Flexible Coverage
Not Included
Not Included
Not Included
Not Included
Included
Not Included
Accumulates Cash Value
Not Included
Not Included
Included
Included
Included
Included
Streamlined Purchase Process
Included
It depends: Some customers will not need a medical exam.*
It depends: Many customers will not need a medical exam. 1,2,*🠑
Included
It depends: Some customers will not need a medical exam. *🠑
Included
Other Key Features
Temporary protection that costs less than permanent coverage for larger needs like mortgages or to replace income. 10-, 15-, 20- and 30-year level term policies A good policy for most ages, most popular with familiesl
Quick and easy application, fast approval3 Temporary life insurance that costs less than permanent coverage. 10-, 15-, 20- and 30-year level term policies A good policy for most stages of life, including younger people with dependents and financial obligations, like rent payments or school loans.
Quick and easy application, fast approval3 Temporary life insurance that costs less than permanent coverage. 10-, 15-, 20- and 30-year level term policies A good policy for most stages of life, including younger people with dependents and financial obligations, like rent payments or school loans.
Premiums do not increase during the life of the policy regardless of age or health changes. Attractive option for most ages, especially those in mid-to-later life stages.
Premiums do not increase during the life of the policy regardless of age or health changes. Ability to purchase additional coverage at specific ages or life events, with no medical exam or health questions.4
Premiums do not increase during the life of the policy regardless of age or health changes. Available in $10,000 and $15,000 coverage amounts.
Eligibility*
10-, & 15-year level-term policies. Available for customers aged 18-70. 20-year level-term policies: Available for customers aged 18-60. 30-year level-term policies: Available for customers aged 18-50
10-, & 15-year & 20-year level-term policies. Available for customers aged 18-60. 30-year level-term policies: Available for customers aged 18-60.
Available for American Family customers aged 18 to 60 who have just added an eligible personal lines or farm/ranch policy, or a current personal lines or farm/ranch customer within 30 days before their birthday each year. 5
Available for customers aged 0 to 80.*
Available for customers aged 0 to 17.
Available for customers aged 50 to 80.

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