Life Insurance 101: Find the right coverage that fits your needs

Life Insurance 101: Find the right coverage that fits your needs

Customized options can help provide financial security and peace of mind

Life insurance is a crucial yet often difficult topic to discuss for helping to safeguard your loved ones' financial security, and American Family Life Insurance Company is here to help guide you through this important decision. With customized options, life insurance provides peace of mind and supports your family as you plan for the future.

While you insure your car, home and health against unforeseen events, have you considered how you can help financially protect those you love? With life insurance, you pay premiums to your insurance company, and in return, they will pay your beneficiaries a death benefit subject to the policy's terms and conditions.

Life insurance proceeds can help cover funeral expenses, mortgage payments, debts and other financial obligations, helping to ensure your loved ones don't face a change in their standard of living if you are gone.

Life insurance comes in a variety of forms, including term, whole and flexible options:

• Term life insurance generally covers a specific period, such as 10, 15, 20 or 30 years, and is ideal for short-term financial needs like income replacement, mortgages or tuition.
• Whole life insurance offers lifelong coverage with premiums that remain the same and it includes living benefits like cash value.
• Flexible life insurance offers long-term, flexible coverage that can change as your life evolves. Premiums and coverage amounts are adjustable to meet your changing needs.

Choosing the right life insurance is a personal decision, influenced by you and your loved ones' needs. Don't wait to get this vital coverage, as changes to age and health can affect the premium or future insurability.

Contact your local American Family Insurance agency owner today for a personalized quote or policy review to ensure your student is protected, giving you peace of mind and freeing them to pursue their dreams!

Life insurance underwritten by American Family Life Insurance Company, 6000 American Parkway, Madison, WI 53783. American Family Life Insurance Company has an AM Best financial strength rating of 'A' (Excellent), the third highest of their 13 ratings; and an 'a+' (Excellent) long-term issuer credit rating, the fifth highest of their 21 ratings.

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About American Family Insurance
American Family Insurance, a mutual holding company based in Madison, Wis., has been serving customers since 1927. We inspire, protect and restore dreams through our insurance products, exceptional service from our agency owners and employees, community investments and creative partnerships. American Family Insurance Group is the nation's 12th-largest property/casualty insurance group, ranking No. 202 on the Fortune 500 list. The Group has a current 'A+' credit rating through AM Best, and has distinction as a "Standing the Test of Time" company, which is represented by having an AM Best financial strength rating of 'A' or better for 75 years. The group sells American Family-brand products, primarily through exclusive agency owners in 19 states. The American Family Insurance Group also includes CONNECT, powered by American Family Insurance, Homesite and Main Street America Insurance and has approximately 11,000 employees nationwide.