Life InsuranceLicensed in 11 states. Everything by phone.
Life Insurance
Three ways we cover the people you love. Pick the structure that fits your life. We'll handle the rest.
No obligation · No coverage bound online · Same-day follow-up
American Family Insurance
A.M. Best A (Excellent) financial-strength rating
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Licensed in 11 statesQuote response in under 2 minutes
Pick the structure that fits
Three life-insurance products. One licensed agent walking you through the right one for your household.
Term Life
Affordable, time-bound coverage.
- 10, 20, or 30-year level term
- Lowest cost per dollar of death benefit
- AmFam DreamSecure Simple Term. No exam required.
Explore Term Life→
Whole Life
Permanent coverage with cash value.
- Fixed premium for the life of the policy
- Guaranteed cash-value accumulation
- Never expires as long as premiums are paid
Explore Whole Life→
Flex Life
AmFam's hybrid term + permanent.
- Adjustable premium and coverage amount
- Cash value grows tax-deferred
- Optional riders for kids, disability, future buy-up
Explore Flex Life→
Not sure which one?
Most households end up with one term policy plus a smaller permanent layer, but the right mix depends on your age, dependents, debts, and what you want the policy to do. A licensed agent can walk you through it in one call.
Frequently asked questions
Life insurance questions, answered.
What is the difference between Term, Whole, and Flex Life?
Term Life is the lowest-cost option: fixed premium for 10, 20, or 30 years and a death benefit if you pass during that window. Whole Life is permanent: fixed premium for life, guaranteed cash value, never expires. Flex Life (American Family's DreamSecure Flexible Life) is the hybrid option: adjustable premium and coverage with cash-value growth, useful when your needs are likely to change.
How much life insurance do I need?
A common rule of thumb is 10–12x your annual income, but the right amount depends on your debts, dependents, income replacement needs, and existing coverage. A licensed agent can run the numbers with you in one call.
Does Nelson & Associates offer life insurance in multiple states?
Yes. We're licensed in MN, IL, OH, WI, AZ, IA, KS, MO, ND, NE, and SD. Everything is handled by phone and email. You never need to visit an office.
Can I get life insurance if I have health conditions?
Often yes. American Family offers multiple product tiers and underwriting paths. Simplified-issue (no exam) products work for many common conditions. We'll help you find the right fit. Call us or fill out the form.
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