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 Cheapest Life Insurance USA

American Community Mutual - Life Insurance

American Community Mutual Life - Individual Life Products

Life insurance is designed to provide financial protection for individuals dependent upon the insured person, in the event of the insured persons death. While this is the primary purpose of life insurance, there may be other advantages, including the potential to accumulate a cash value, such as American Community Mutual's Value Life Plan. In addition, very affordable spouse and children life insurance riders may be added to all Individual Life Insurance Policies.

American Community Mutual Life Plans

Term 4 Life
Term 4 Life is an innovative insurance policy that provides permanent type low cost coverage to age 99, without generating cash values. Premiums for Term 4 Life are guaranteed for the first four years and predictable for the remainder of the policy. The death benefit amount will remain the same through the duration of the American Community Mutual Life policy. Term 4 Life is an affordable solution to your need for permanent life insurance. This product is available for people ages 18 through 70. Included in the policy is a living benefit payable when the insured is diagnosed as having an illness expected to be terminal within six months.

Value Life
Value Life is an affordable whole life (permanent) insurance policy that builds guaranteed cash values. The premiums remain the same through the duration of the policy and will not increase. As an included benefit, if the insured is diagnosed as having an illness expected to be terminal within six months, a living benefit, or an accelerated payment of life benefits, is paid from the policy. American Community Mutual's Whole life insurance provides the comfort of fixed premiums with a guaranteed death benefit. Value Life has an increasing lump sum cash value which you may borrow against at low interest rates. Though not guaranteed, they historically have paid an annual dividend on Value Life. Value Life is a great life insurance policy for all age groups, including children and newborns!

Term Life
Term Life insurance pays a death benefit if the insured person dies during the term of the policy. Term insurance is ordinarily purchased for a set period of time, such as 10, 15 or 20 years. Level Term policies are very popular for the temporary life insurance need. American Community Mutual's Term Life premiums are inexpensive during the period of the policy and are guaranteed renewable at the expiration of the initial policy. Term Life also includes a living benefit when the insured is diagnosed as having an illness expected to be terminal within six months. An added feature on the Term Life plan is the ability to convert to their Value Life policy without evidence of insurability.






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