Universal Life Insurance
A flexible premium policy that combines protection against premature death with a type of savings vehicle known as a cash-value account.
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Consider Term Life Insurance if:
You need life insurance for as long as you live.
You need life insurance for as long as you live. A permanent policy pays a death benefit whether you die tomorrow or live to be 100.
You want to accumulate a savings element that will grow on a tax-deferred basis and could be a source of borrowed funds for a variety of purposes.
The savings element can be used to pay premiums to keep the life insurance valid if you can’t pay them otherwise, or it can be used for any other purpose you choose. You can borrow these funds even with not so good credit.
The death benefit is collateral for the loan, and if you die before it’s repaid, the insurance company collects what is due to the company before determining what’s goes to your beneficiary.
Keep in mind that premiums for permanent policies are generally higher than for term insurance. However, the premium in a permanent policy remains the same no matter how old you are, while term can go up substantially every time you renew it.
What You Can Expect from American Fidelity
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John Smith
New York
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New York
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See how fast and easy it is with American Fidelity. No medical exam and no wait time. Just answer a few simple questions and get a quote in a matter of minutes.
Policies starting at $9 a month
Quick Answers to Common Life Insurance Questions
How Do I Make Changes To My Policy?
The policy owner may complete the appropriate form for the requested change. The policy owner may also contact a Service Representative at our home office. All Policy changes must be submitted on a signed and completed Amendment to the Application form. The original Policy should be returned for endorsement.
How Do I Get A Copy Of My Policy?
You must sign an Affidavit of Lost Policy Form. There is a $20.00 fee for duplicating a policy (some policies may not be duplicated), or a Policy Verification Certification may be requested at no charge.
How Do I Request A Loan Against My Policy?
The policy owner may request a loan by calling a Service Representative. You should consult your policy for specific information regarding policy loans.
How Do I Change My Mode Of Payment?
You may contact a Service Representative for details.
How Can I Obtain Information On My Policy?
You may contact a Service Representative or register online. By registering online you will be able to view premium payments, make withdrawals and much more. Click here to register.
How Do I File A Death Claim?
Upon the death of the Insured, you will contact the Home Office Claims Department to report the death. Be prepared to advise us of the insured’s name, the date and cause of death, and the name, address, and telephone number of the person who should be contacted. A Claimant’s Statement and additional information on how to file a death claim will then be sent to the named beneficiary(ies).
