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.

💎Whole Life Insurance — American Family

Build Tax-Free Wealth While Protecting Your Legacy

Permanent coverage with guaranteed cash value growth. Lock in your rate now—it never increases, even as you age. Access your money tax-free whenever you need it.

★★★★★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.

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Why Choose Whole Life Insurance?

Whole life combines permanent protection with guaranteed cash value growth, creating a powerful wealth-building tool.

Lifetime Protection

Coverage that never expires with guaranteed premiums that never increase. Protect your family for life with certainty and peace of mind.

Cash Value Growth

Build tax-deferred cash value you can borrow against for opportunities or emergencies. Your cash value is guaranteed to grow every year.

Wealth Building

Limited-pay options like 15-pay policies accelerate cash value accumulation for retirement or legacy planning. Use it for the wealth-building flywheel.

Learn the Wealth-Building Strategy

Discover how I use the 15-pay whole life strategy myself and how it can work for your family's financial goals.

Explore the Wealth-Building Flywheel

Get Your Free Whole 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 protection and wealth-building goals. We'll help you understand your options.

Review Your Options

Your agent will show you how whole life builds cash value and fits into your financial strategy.

Start Building Wealth

Choose the policy that fits your goals. Your agent will guide you through 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

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Whole Life Insurance

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

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Flex Life Insurance

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

Learn About Flex Life

Whole Life Insurance Questions

A portion of your premium goes toward building cash value that grows tax-deferred at a guaranteed rate. Over time, this cash value can be borrowed against or used for retirement income. Your agent can show you projected cash value accumulation.

A 15-pay policy means you pay premiums for only 15 years, after which the policy is fully paid up and remains in force for life. This accelerates cash value accumulation and can be a powerful wealth-building strategy.

Yes, you can take tax-free loans against your cash value at any time. The loan doesn't require credit checks or approval, and you control the repayment terms. Your agent can explain how policy loans work.

Whole life provides permanent coverage with guaranteed premiums and cash value growth, while term life covers a specific period with no cash value. Whole life costs more but offers lifetime protection and wealth-building features.

Your beneficiaries receive the death benefit, which is typically greater than the cash value. Some policies offer riders that pay both the death benefit and cash value. Your agent can explain your options.

Once your policy has accumulated sufficient cash value, you may be able to use it to reduce or pay premiums. Some policies offer paid-up options. Your agent will explain the flexibility available in your policy.

Whole life insurance is primarily a protection tool with wealth-building features. It offers guaranteed growth, tax advantages, and protection in one product. Your agent can show you how it fits into your overall financial strategy.

Premiums depend on your age, health, coverage amount, and policy type. While more expensive than term life, whole life offers permanent protection and cash value growth. Your agent can provide personalized quotes.

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.