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Get a Life Insurance Quote

There's no time like the present to help financially protect your loved ones’ tomorrow. Get started by using our life insurance calculator to get a quick quote or estimate how much life insurance coverage you need and see how much it might cost you.

Life Insurance

What products are offered?

Choosing life insurance with American Family Life Insurance Company means you have the freedom to build a policy that’s best for you and your family. Our comparison chart below makes it simple to compare your life insurance options.

Insurance Type
Description
Simplified Term Life
Temporary protection that offers a quick and easy application process
Term Life
Temporary protection that costs less than permanent coverage for larger needs like mortgages or to replace income
Whole Life
Lifelong coverage with premiums that do not increase and living benefits, like the ability to build cash value.
Children’s Whole Life
Lifelong coverage for a child with the ability to buy additional coverage at specific ages or life events regardless of health changes
Senior Whole Life
Specifically for people ages 50 to 80, with premiums that do not increase regardless of age or health changes

Life Insurance 101 FAQs

  1. You can start the life insurance application process by requesting a quote, either online or with your agent. Then, after connecting with an agent, you’ll choose the amount of coverage and type of policy you want. You'll also fill out an application that includes some basic information about you, including info about your health and beneficiaries. You may have a telephone interview or be asked to complete an in-person medical exam, where you can choose a place that’s convenient for you, like your home, work or at a lab facility.

  2. A beneficiary can be a person or entity, such as a charitable organization, that receives the proceeds of a life insurance policy when the insured person passes away. You may have multiple beneficiaries on a life insurance policy.

  3. In general, the life insurance payout from a death benefit is not subject to federal or state taxes.* There are situations where proceeds may be taxable, but your tax advisor can help you better understand these instances.

  4. We make it easy to pay for your policies by giving you a variety of payment options. You can set up automatic payments scheduled on a reoccurring basis, mail in a payment, use the automated pay-by-phone option or use Pay Now on AmFam.com.

  5. Buying your child life insurance when they’re young and healthy has many benefits. The cost of life insurance largely depends on age and health, so buying a child life insurance means you can get a policy on them that’ll lock in that low rate and ensure that they have lifelong life insurance coverage (as long as premiums are paid). And the best part is that our DreamSecure Children’s Whole Life policies offer the ability to purchase additional coverage in the future, at certain ages or life events, regardless of health changes.

    Buying a permanent life insurance policy on a child is a simple way to provide some financial protection. A permanent life policy gains cash value, which can be borrowed against** later in life to help with things like a down payment on a home or college tuition.

  6. Life insurance is a financial safety net for your loved ones. It can help ensure your family has the resources to meet their financial needs after you pass away. That might include helping to replace income, pay for final expenses, cover medical bills, pay mortgage or rent payments, or cover other expenses that your loved ones might be responsible for.



Get a Life Insurance Quote

Our Life Insurance Calculator estimates how much life insurance coverage you need to help you financially protect your loved ones. Answer a few short questions and we'll provide a quote and coverage options.


This is a brief description of coverages and is subject to policy and/or rider terms and conditions which may vary by state. Fixed and guaranteed premiums are statements about the policy as determined at issue, and any changes made to a policy may affect the premium and are subject to our underwriting rules. The words lifetime, lifelong and permanent are subject to policy terms and conditions. DreamSecure Whole Life Insurance policies mature at age 121. Please check with an American Family agent for details on coverages and restrictions.

*Neither American Family Life Insurance Company nor its agents are authorized to give tax or legal advice, and this should not be construed as such advice.
**Any loans taken from your life insurance policy will accrue interest. Any outstanding loan balance (loan plus interest) will be deducted from the death benefit at the time of claim or from the cash value at the time of surrender. If the loan balance grows too large for the cash value to support it, the policy could terminate.

Policy Forms: ICC18-33 (10), ICC18-33 (15), ICC18-34 (20), ICC18-35 (30), L-33 (10)(ND), L-33 (15)(ND), L-34 (20)(ND), L-35 (30)(ND), L-33 (10)(SD), L-33 (15)(SD), L-34 (20)(SD), L-35 (30)(SD), ICC18-36 (10), ICC18-36 (15), ICC18-36 (20), ICC18-36 (30), L-36 (10)(ND), L-36 (15)(ND), L-36 (20)(ND), L-36 (30)(ND), L-36 (10)(SD), L-36 (15)(SD), L-36 (20)(SD), L-36 (30)(SD), ICC17-225 WL, L-225 (ND) WL, L-225 WL, ICC17-226 WL, L-226 (ND) WL, L-226 WL, ICC17-227 WL, L-227 (ND) WL, L-227 WL