How fast will someone contact me?

We strive to respond within one business day, often sooner. During business hours, you may hear from us within a few hours.

Can I bind coverage on this website?

No, coverage cannot be bound online. A licensed agent must review your information, prepare quotes, and discuss your options before binding any coverage.

What information do I need for a quote?

Basic information like your ZIP code, contact details, and the type of coverage you need is enough to start. Your agent will gather additional details during your conversation.

Do you only offer American Family Insurance?

We are an American Family Insurance agency, so we primarily offer American Family products. Contact us to learn about all available options.

Is my information secure?

Yes, we take data security seriously and protect your personal information according to industry standards and privacy regulations.

What areas do you serve?

We're based in Fridley, MN, and serve the surrounding communities and throughout Minnesota. Contact us to confirm we can help in your area.

How do I file a claim?

If you need to file a claim, contact your agent directly at (651) 255-0012 or use American Family Insurance's 24/7 claims hotline.

Can I get a quote over the phone instead?

Feel free to call us at (651) 255-0012 to speak directly with a licensed agent.

⚡Flex Life Insurance — American Family

Life Insurance That Grows With You

Start with affordable protection today, adjust as your life changes tomorrow. Flexible premiums, adjustable coverage, and cash value growth—all in one policy.

★★★★★4.9 — 500+ Minnesota Families Served•✓Licensed Minnesota Agent•⚡Same-Day Response

Get My Free Quote Call Now

Or call now: (763) 250-5528

Not Sure How Much Coverage You Need?

Use our free calculator to get a personalized recommendation in 2 minutes.

Try the Calculator

Why Choose Flex Life Insurance?

Flex life combines permanent protection with flexibility to adjust premiums and coverage as life changes.

Flexible Premiums

Adjust your premium payments to match your income. Pay more when you can, pay less when you need to, as long as your policy has sufficient value.

Adjustable Coverage

Increase or decrease your death benefit as your family's needs change. Adapt your protection to match life's transitions.

Cash Value Growth

Build cash value that grows with credited interest. Access it for opportunities, emergencies, or retirement income through policy loans.

Get Your Free Flex Life Quote

A licensed Minnesota agent will prepare personalized options for you. No obligation.

Get Your Free Quote

No obligation. A licensed agent will contact you.

How It Works

Request Your Quote

Tell us about your coverage needs and how much flexibility matters to your financial situation.

Review Your Options

Your agent will explain how flex life adapts to your changing needs and show you flexibility options.

Get Protected

Choose the flexible coverage that fits your budget. Your agent will handle the application process.

Explore Other Life Insurance Options

Compare all our life insurance products to find the right fit.

Term Life Insurance

Affordable protection for a specific period. Ideal for covering temporary needs like mortgages or raising children.

Learn About Term Life

Whole Life Insurance

Permanent coverage with guaranteed cash value growth. Build wealth while protecting your family for life.

Learn About Whole Life

Featured

Flex Life Insurance

Flexible premiums and death benefits that adapt to your changing financial situation.

You're Here

Flex Life Insurance Questions

Flex life (universal life) offers flexible premiums and death benefits that you can adjust as your needs change. It builds cash value like whole life but with more flexibility than term or traditional whole life policies.

Yes, you can increase, decrease, or skip premium payments as long as your policy has sufficient cash value to cover costs. Your agent will explain the flexibility options and requirements for your specific policy.

Many flex life policies allow you to increase (with underwriting) or decrease your death benefit to match your changing needs. Your agent can explain the adjustment options available.

Yes, flex life policies build cash value that grows based on credited interest rates. You can access this cash value through loans or withdrawals. Your agent will show you projected cash value accumulation.

If you have sufficient cash value, it will be used to cover the cost of insurance. If cash value is insufficient, your policy may lapse. Your agent will help you understand how to maintain your coverage.

Flex life typically costs more than term life because it builds cash value and offers lifetime coverage. However, it's often more affordable than traditional whole life. Your agent can provide personalized quotes.

Yes, you can access cash value through loans or withdrawals for retirement income, though this will reduce your death benefit. Your agent can show you how flex life fits into your retirement strategy.

Flex life works well for people who want permanent coverage with the flexibility to adjust premiums and benefits as their income or needs change. Your agent will help determine if it's right for you.

Disclaimer: Not investment advice. Policy loans and cash values depend on product design and underwriting. Guarantees and returns vary by policy. Consult with your agent or financial advisor for personalized guidance.

Life insurance policy terms and conditions may vary. Subject to underwriting approval.