We’re not tied to any single company. We analyze quotes and guidelines from multiple A-rated carriers, looking at more than price: which one treats your health profile best, which offers the riders you want, how quickly they approve, and how stable their guarantees are. You get the right policy at the right price—without the guesswork.
We only recommend policies from financially strong insurers; availability and features vary by state and underwriting.
Best for: Income replacement, young families, mortgages, budget-friendly protection.
How it works: Coverage for a chosen term (10–40 years). If you pass away during the term, your beneficiary receives the benefit.
Highlights
Highest coverage per dollar
Level premiums for the term
Often no medical exam available
Consider: Expires at the end of the term unless converted or renewed.
Popular riders: Accelerated Death Benefit, Waiver of Premium, Child Rider, Return-of-Premium (select carriers).
Best for: Lifetime coverage, guaranteed premiums, cash value you can access.
Highlights
Guaranteed death benefit for life
Cash value grows at a guaranteed rate
Premiums never increase
Consider: Higher cost than term for the same face amount.
Use cases: Legacy planning, final expenses, building stable, long-term value.
Best for: Flexible payments and lifetime protection with potential cash accumulation.
Highlights
Adjustable premiums and death benefit
Cash value growth tied to fixed interest (UL) or indexed strategy (IUL)
Optional no-lapse guarantees (select policies)
Consider: Requires ongoing review to keep the policy funded appropriately.
Use cases: Long-term protection, supplemental retirement strategies, estate planning.
Best for: Covering funeral and last expenses without medical exams.
Highlights
Typically $5,000–$40,000 in permanent coverage
Simplified application; many health issues accepted
Premiums stay level for life
Consider: Designed for smaller coverage needs; not for large income replacement.
Best for: Protecting your home and family’s lifestyle.
How it works: Tailored term or permanent coverage designed around your loan balance and years remaining.
Highlights
Quick, affordable setup
Benefits can pay down or pay off the mortgage
Optional living benefits riders
Use cases:
Key-Person: Protects your business if a crucial employee/owner passes away.
Buy-Sell: Funds ownership transfer between partners.
Executive Bonus/Retention: Reward and retain top talent.
Age • Health history • Tobacco use • Driving record • Hobbies/occupation • Coverage amount • Term length.
Tip: Starting sooner typically locks in lower rates.
Term: Lowest cost now • Temporary • Convertible with some carriers
Whole: Lifetime guarantees • Builds cash value • Higher premium
IUL/UL: Lifetime coverage • Flexible • Potential cash growth; needs monitoring
Final Expense: Lifetime • Small benefit • Simplified underwriting
Access part of the benefit for qualifying illness.
Extra protection for serious diagnoses.
Premiums waived if you become disabled (qualifying definitions).
Low-cost coverage for children.
Get back premiums if you outlive the term (select products).
Answer a few questions and we’ll send you a personalized recommendation with quotes from multiple carriers.
We’d love to help you compare options in minutes.
678-770-4412
info@amorlifeinsurance.com
