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 licensed in 18 states including MN, AZ, CO, ID, IL, IN, IA, KS, MO, NE, ND, NV, OH, OR, SD, UT, WA, and WI. 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 (763) 402-8220 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 (763) 402-8220 to speak directly with a licensed agent.

Same-Day Response · Licensed Minnesota Agent

Term Life Insurance for Minnesota Families

Protect your family's future with affordable term life insurance. Get personalized quotes from a local American Family agent. 10, 20, or 30-year terms available.

Fast Approval•Local MN Agent•No Obligation

Get My Free Quote Call Now

Or call now: (763) 402-8220

500+

Minnesota Families Served

4.9★

Average Rating

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Response Time

Get Your Free Term Life Quote

A licensed Minnesota agent will prepare personalized options and contact you today. Takes 60 seconds.

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 directly. We'll gather basic information about your coverage needs and family situation.

Review Your Options

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

Get Protected

Choose the coverage that fits your budget and needs. Your agent handles the application and keeps you informed every step.

Why Minnesota Families Choose Term Life

Term life provides maximum protection at the lowest cost, ideal for growing families with mortgages and financial responsibilities.

Most Affordable

Get $500,000 in coverage for less than $1/day. Term life offers pure protection without cash value accumulation, keeping premiums low for Minnesota families on a budget.

Flexible Terms

Choose 10, 20, or 30-year terms to match your needs. Protect your family while raising children, paying off your mortgage, or funding college education.

Fast Approval

Many qualified Minnesota applicants can get approved within 24-48 hours. Some policies offer simplified underwriting without medical exams.

Not Sure How Much Coverage You Need?

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

Calculate Coverage

Term Life Insurance Questions

A common guideline is 10-12 times your annual income. For a Minnesota family earning $75,000/year, that's $750,000-$900,000 in coverage. Your licensed agent will help you calculate the right amount based on your mortgage, debts, income replacement needs, and children's education costs.

Same-day quotes for qualified Minnesota residents. Your agent will contact you within hours to discuss coverage options and provide personalized term life quotes. Many applications can be approved within 24-48 hours.

Choose a term that matches your protection timeline. 20-year terms are most popular for Minnesota families with young children or a new mortgage. 30-year terms protect until kids finish college. 10-year terms work for specific debts or short-term needs.

It depends on the coverage amount and your health. Some policies offer simplified underwriting without medical exams for qualifying Minnesota applicants. Larger policies typically require an exam. Your agent will explain the requirements for your situation.

You typically have options to renew (at higher rates based on your age), convert to permanent life insurance without a medical exam, or let the policy expire. Your agent will contact you before expiration to discuss your options.

Term life is the most affordable life insurance type because it provides pure protection without cash value accumulation. Many Minnesota families can get $500,000 in coverage for less than $1/day. Rates depend on your age, health, coverage amount, and term length.

Complete Protection

Protect Your Whole Household

Minnesota families often bundle term life with auto and home insurance for comprehensive protection. Ask your agent about household coverage options.

Auto Insurance Home Insurance

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.