Life Coverages

Life Insurance Protects Your Loved Ones' Dreams

Your loved ones are the most important people in your life. You would do everything within your power to protect them and secure their future, right? That’s why life insurance from American Family is a must-have for people like you who are committed to protecting what matters most. It’s a smart, proactive way to financially protect the dreams of those you care about, in case the unexpected were to occur.

You might be surprised at how easy and affordable life insurance can be, too. Discover the benefits by contacting your American Family agent.  The sooner you start, the better it will be for your loved ones’ financial future.

How Much Life Insurance do I Need?

With our Life Insurance Needs Calculator, you can estimate the amount of life insurance coverage you need to help financially protect your loved ones.

Coverage for Your Unique Lifestyle

Dreams come in all shapes and sizes. Let’s select a policy that’s just right for you and your loved ones.

Infographic depicting Life insurance tactics

Know More, Choose Wisely. Discover more details so you can confidently take the next steps.

Your American Family Insurance agent can help you decide what options are smartest for protecting your unique dreams.

Get Answers (And Peace Of Mind)

You probably have questions about creating the right life policy for you. These answers will help you confidently make wise decisions. View all life insurance FAQs.

  1. Here are the top three reasons why you should get life insurance sooner than later:

    Savings: Premiums are based in part on your age. The sooner you act, the sooner you may be able to take advantage of a lower rate.

    Opportunity: At some point, a change in your health could prevent you from qualifying for life insurance. The time to buy life insurance is while you are in good health.

    Peace of Mind: You can’t predict the future. But you can rest easy knowing those you love will be financially protected if the unexpected happens.

  2. American Family Life Insurance Company offers temporary and permanent life policies. Temporary life insurance provides coverage at a lower initial cost. This includes term life insurance, which remains in effect for a specific term or length of time at a set premium. Permanent life insurance provides lifelong protection. This includes whole life insurance, offering lifetime coverage with guaranteed premium payments that remain the same regardless of health changes, and MyLife, which offers lifetime coverage with flexibility to change as your life evolves. This infographic is a quick guide to your coverage options. Talk to an American Family agent for details about what coverage is best suited for your needs.

  3. Life insurance needs vary from person to person. In general, your coverage should ensure your family can comfortably handle day-to-day needs (food, utilities, transportation, etc.) and ongoing expenses (daycare, tuition, mortgage, etc.) if the unexpected happened. Our Life Insurance Needs Calculator makes it easier to figure out how much life insurance you’ll need. 

  4. Life insurance may be less expensive than you think! The type of policy, coverage amount, and your age, health and gender play a big role in determining premiums. Talk to an American Family agent about getting the right coverage at the right price.

  5. You can start by using our Life Insurance Needs Calculator to help you understand how much insurance you might need. Next, talk to your agent about the best types of insurance and coverage amounts to match your needs and your budget.  You could save on your auto policy when you bundle it with your life policy, too. Please keep in mind that discounts may vary by state and policy type. And, discounts may not apply to all coverages on an auto or property policy.

  6. The nice thing about most policies is that premiums will stay the same for the entire term of the original policy. With some policies, premiums can increase once the initial term is complete.

    Have more questions? Your American Family Insurance agent can help. Find your agent today.

Policy Form L-36 10, Policy Form L-36 20, Policy Form L-36 30, Policy Form ICC13-97 UL, Policy Form L-97 UL (AZ, ND, SD only)