Life insurance
Life Insurance That Protects Your Family's Future
Term, whole, universal and final expense coverage from top-rated carriers — compared for you, explained in plain English, and quoted at no cost.
- Top-rated carriers
- Options for ages 18–85
- No-exam policies available
- Licensed & independent
- 100% no-cost guidance
- 25+ years of experience
- Year-round, real-person support
Types of coverage
Life insurance options we offer
Not sure which is right? We'll walk you through each one and help you choose.
Term life insurance
Affordable protection for 10, 15, 20 or 30 years with fixed premiums and a high death benefit. Ideal for young families and homeowners.
Whole life insurance
Permanent coverage for your entire lifetime with level premiums and cash value you can borrow against.
Universal life insurance
Lifelong protection with flexible premiums and adjustable death benefits, plus interest-based cash value.
Final expense insurance
Smaller policies designed to cover funeral costs and final bills, often with no medical exam required.
Protect what matters most
Your loved ones are your greatest treasure. Life insurance makes sure they're protected financially no matter what happens. Whether you need affordable coverage while your kids are young or a permanent policy to build cash value and leave a legacy, American Medical Plans helps you understand your options and decide with confidence.
What life insurance can pay for
- Funeral and burial expenses
- Mortgage or rent payments
- Children's education costs
- Outstanding debts
- Daily living expenses for your family
- Estate planning and legacy giving
Who needs life insurance?
Anyone with people depending on them financially, or who wants to protect assets and leave a legacy: parents and guardians, spouses and partners, homeowners, business owners, recent graduates with debt, caregivers, and retirees planning their estate.
How we help
Personalized consultations
We learn about your family, finances and goals, then recommend coverage that fits — whether you're newly married, raising kids or planning retirement.
Top-rated carriers, no bias
As an independent agency we shop multiple life insurers to find competitive rates and reliable coverage.
Easy application
From quotes to underwriting and medical exams, we streamline the process so coverage is in place quickly.
Ongoing policy support
Life changes. We help you update beneficiaries, adjust coverage and explore new options over time.
FAQ
Life insurance questions
How much life insurance do I need?
A common rule of thumb is 10 to 12 times your annual income, but the right amount depends on your debts, living expenses, future costs like college, final expenses and how long your family would need support. We'll walk through the math with you.
What's the difference between term and whole life insurance?
Term life covers you for a set period, such as 10, 20 or 30 years, and is usually the most affordable way to get a large death benefit. Whole life is permanent coverage with level premiums that also builds cash value you can borrow against.
Can I get life insurance with health issues?
Often, yes. Some carriers specialize in applicants with health conditions, and final expense and simplified-issue policies may require no medical exam. We'll match you with carriers most likely to approve you at a fair rate.
Do I need life insurance if I'm single?
If someone would be responsible for your debts or final expenses, or you co-signed loans, coverage can still make sense. Buying young also locks in lower rates.
What happens if I outlive my term policy?
The coverage ends, and no benefit is paid. Many term policies can be renewed or converted to permanent coverage without a new medical exam, which we'll review before you buy.
Because your family deserves more than memories
They deserve protection. Get a free life insurance comparison today.