Life Insurance
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Life Insurance Coverage
Term Life
Low cost policy that lasts for a specified period of time, usually 10 to 30 years.
Whole Life
Coverage that typically lasts until age 100 or policy maturity (when the cash value equals the face amount). Includes a cash value component that earns interest.
Universal Life
Flexible policy that can include features of both term and whole life. May include cash value or not, depending on how the policy is structured.
Group Life
Coverage available to all members of a qualified group, such as the employees of a business.
Instant Issue Term Life
Term policy that can be issued with no medical exams.
Return of Premium Term Life
Term policy that returns the sum of premiums paid to the policy owner if the policy expires without being exercised.
Buy-Sell Funding
Life policy or policies to fund a buy-sell contract between business partners.
What is life insurance?
Life insurance provides money to a beneficiary if the insured dies during the policy period, subject to some restrictions. It’s often used to replace lost income for a family that loses an income earner or a business that loses an owner or key employee. There are a variety of policy types and options to help meet your specific needs.
Companies Available
AAA Life
Banner Life
Cincinnati Life
Illinois Mutual
Lincoln
Prudential
Pacific Life
United of Omaha
And more
Learn More
AAA Life Names Atlas Insurance Brokers Multi-Line Life Agency of the Year 2017
Burnsville, MN — AAA Life Insurance Company, part of The Auto Club Group announced that the 2017 multi-line life sales agency of the year was Atlas Insurance Brokers, LLC of Rochester, MN. The presentation took place at the annual awards banquet in Marco Island, FL. AAA MN-IA is proud to be a valued partner with+…
Life Insurance: What’s It For?
Why should I buy life insurance? There are many reasons people choose to buy life insurance, and while the need for life insurance doesn’t exist for everyone, many individuals and families decide it’s well worth the cost. Here are some of the most common reasons people get life insurance: Replace lost income Many families today+…
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