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.

🛡️Term Life Insurance — American Family

Protect Your Family's Future for Less Than $1/Day

Affordable term life insurance with same-day quotes from a local Minnesota agent. Lock in your rate today—it won't increase for the entire term.

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

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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 Term Life Insurance?

Term life provides pure protection at the lowest cost, making it ideal for specific coverage needs.

Affordable Protection

Pure coverage at the lowest cost. Ideal for temporary needs like mortgage protection, income replacement, or ensuring your children's education is funded.

Flexible Terms

Choose 10, 20, or 30-year terms to match your protection timeline. Lock in guaranteed rates that won't increase during your term.

Simple Process

Quick approval process, often without medical exams for qualifying applicants. Get the protection you need without complicated requirements.

Fast-Track Option

Need Coverage Fast? Try EasyProtect

Get term life coverage without a medical exam. Same-day decisions for qualifying applicants.

FASTEST APPROVAL

EasyProtect Term Life

No medical exam — just health questions
Same-day decisions for most applicants
Coverage up to $750,000
Ages 18-65 eligible
10 or 20-year terms available

Best for: Busy parents, mortgage protection, anyone who wants coverage now without waiting weeks for medical results.

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Fully Underwritten Term Life

Medical exam required — blood draw, health screening
4-6 week approval typical timeline
Coverage $1M+ available
Best rates for excellent health
10, 20, or 30-year terms

Best for: Those in excellent health seeking the lowest rates, or needing coverage over $750K.

Request Traditional Quote

Not sure which is right for you? Call (651) 255-0012 and we'll help you decide — no obligation.

Get Your Free Term 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

Fill out our simple form or call us directly. We'll gather basic information about your coverage needs.

Review Your Options

Your agent will present personalized term life options with clear explanations of coverage and costs.

Get Protected

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

Explore Other Life Insurance Options

Not sure if term is right for you? Compare all our life insurance products.

Featured

Term Life Insurance

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

You're Here

Whole Life Insurance

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

Learn About Whole Life

Flex Life Insurance

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

Learn About Flex Life

Term Life Insurance Questions

A common guideline is 10-12 times your annual income, but the right amount depends on your debts, income replacement needs, and financial goals. Your agent will help you calculate coverage that protects your family's specific needs.

When your term ends, you typically have options to renew (at higher rates based on your age), convert to permanent life insurance, or let the policy expire. Your agent can explain your options before expiration.

Many term policies include conversion options that let you convert to whole life or universal life without a medical exam, usually within a specific timeframe. Your agent will explain the conversion options available with your policy.

It depends on the coverage amount and your health. Some policies offer simplified underwriting without medical exams for qualifying applicants, while larger policies typically require an exam. Your agent can explain the requirements.

Yes, you can cancel term life insurance at any time. However, term policies don't build cash value, so you won't receive a refund of premiums paid. Your agent can help you evaluate whether maintaining coverage makes sense.

The term length determines how long your coverage lasts at the guaranteed premium rate. Choose a term that matches your protection timeline—like until your mortgage is paid off or your children are financially independent.

Term life is typically the most affordable type of life insurance because it provides pure protection without cash value accumulation. Rates depend on your age, health, coverage amount, and term length. Your agent can provide personalized quotes.

Yes, many term policies offer optional riders like disability waiver of premium, accelerated death benefit, and child riders. Your agent will explain available riders and their costs.

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.