Whole Life Insurance
DreamSecure Whole Life Insurance
- Permanent coverage that helps provide financial protection for those who matter most to you
- You can keep your loved ones' dreams alive with this fixed-premium policy
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What is Whole Life Insurance?
Protect your loved ones with whole life insurance. It's a lifelong policy with premiums that remain the same and it includes living benefits like cash value.
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At American Family Life Insurance Company, we don't believe in a one size fits all approach.
That's why we offer a variety of life insurance options and coverages, built to fit your life.
Designed with affordability in mind, a DreamSecure Whole Life insurance policy is a simple, convenient way to help you protect your family's future.
A whole life insurance policy provides long-term coverage, with premiums that never increase, even if your health changes.
Want the security of additional coverage down the road? With a guaranteed purchase option benefit rider, you can buy additional coverage at specific times in your life, without additional medical questions or exams.
And a DreamSecure Whole Life Insurance policy builds cash value.
Think of DreamSecure as financial protection and peace of mind to live your life today, all in one policy.
Get the financial protection you and your family deserve with a life insurance policy that fits your life.
Get DreamSecure.
Contact your agent today.
Our Whole Life Policies
In addition to whole life policies for children and seniors, we offer: DreamSecure 15 Pay Whole Life Insurance – fully paid after 15 years with coverage that lasts a lifetime.
DreamSecure Whole Life Insurance – permanent coverage with guaranteed level premiums that are stretched out until age 100.
Did you know?
We make it simple to help you determine the amount of coverage you need with our Life Insurance Calculator.
Benefits of Whole Life Insurance
Our whole life policies help you protect your loved ones financially. With this permanent coverage, you'll have peace of mind knowing your loved ones are cared for when you pass away.
Fixed Premiums
Accumulates Cash Value
Long-Term Protection
Keep Your Policy Through Injury or Illness
More Coverage When You Need It
You're a new graduate and plan to marry in the next few years. While you've opted for a lower coverage amount now, you'll need more after you start your family.
Adding the Guaranteed Purchase Option Benefit Rider allows you to buy more life insurance at specified ages and life events without medical questions or an exam.**
Add Coverage on Your Children
Frequently Asked Questions
American Family Insurance Life Insurance Policy Comparison
Life Products | Simplified Term Life Insurance | Term Life Insurance | Whole Life Insurance | Children's Whole Life Insurance | DreamSecure Flexible Life Insurance | Senior Whole Life Insurance |
|---|---|---|---|---|---|---|
Temporary Coverage | Included | Included | Not Included | Not Included | Not Included | Not Included |
Permanent Coverage | Not Included | Not Included | Included | Included | Not Included | Included |
Flexible Coverage | Not Included | Not Included | Not Included | Not Included | Included | Not Included |
Accumulates Cash Value | Not Included | Not Included | Included | Included | Included | Included |
Streamlined Purchase Process | Included | It depends: Some customers will not need a medical exam.* | It depends: Many customers will not need a medical exam. 1,2,*🠑 | Included | It depends: Some customers will not need a medical exam. *🠑 | Included |
Other Key Features | Temporary protection that costs less than permanent coverage for larger needs like mortgages or to replace income. 10-, 15-, 20- and 30-year level term policies A good policy for most ages, most popular with familiesl | Quick and easy application, fast approval3 Temporary life insurance that costs less than permanent coverage. 10-, 15-, 20- and 30-year level term policies A good policy for most stages of life, including younger people with dependents and financial obligations, like rent payments or school loans. | Quick and easy application, fast approval3 Temporary life insurance that costs less than permanent coverage. 10-, 15-, 20- and 30-year level term policies A good policy for most stages of life, including younger people with dependents and financial obligations, like rent payments or school loans. | Premiums do not increase during the life of the policy regardless of age or health changes. Attractive option for most ages, especially those in mid-to-later life stages. | Premiums do not increase during the life of the policy regardless of age or health changes. Ability to purchase additional coverage at specific ages or life events, with no medical exam or health questions.4 | Premiums do not increase during the life of the policy regardless of age or health changes. Available in $10,000 and $15,000 coverage amounts. |
Eligibility* | 10-, & 15-year level-term policies. Available for customers aged 18-70. 20-year level-term policies: Available for customers aged 18-60. 30-year level-term policies: Available for customers aged 18-50 | 10-, & 15-year & 20-year level-term policies. Available for customers aged 18-60. 30-year level-term policies: Available for customers aged 18-60. | Available for American Family customers aged 18 to 60 who have just added an eligible personal lines or farm/ranch policy, or a current personal lines or farm/ranch customer within 30 days before their birthday each year. 5 | Available for customers aged 0 to 80.* | Available for customers aged 0 to 17. | Available for customers aged 50 to 80. |
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This is a brief description of coverage and is subject to policy and/or rider terms and conditions which may vary by state. Fixed and guaranteed premiums are statements about the policy as determined at issue, and any changes made to a policy may affect the premium and are subject to our underwriting rules. The words lifetime, lifelong and permanent are subject to policy terms and conditions.
Riders are available for an additional cost.
*Any loans taken from your life insurance policy will accrue interest. Any outstanding loan balance (loan plus interest) will be deducted from the death benefit at the time of claim or from the cash value at the time of surrender. If the loan balance grows too large for the cash value to support it, the policy could terminate.
**The Guaranteed Purchase Option may be exercised only at specified dates and life events and is subject to benefit amount limitations.
Policy forms: ICC18-33 (10), ICC18-33 (15), ICC18-34 (20), ICC18-35 (30), L-33 (10)(ND), L-33 (15)(ND), L-34 (20)(ND), L-35 (30)(ND), L-33 (10)(SD), L-33 (15)(SD), L-34 (20)(SD), L-35 (30)(SD), ICC18-36 (10), ICC18-36 (15), ICC18-36 (20), ICC18-36 (30), L-36 (10)(ND), L-36 (15)(ND), L-36 (20)(ND), L-36 (30)(ND), L-36 (10)(SD), L-36 (15)(SD), L-36 (20)(SD), L-36 (30)(SD), ICC22 L152 MS 06 22, L152 ND 06 22, L152 SD 06 22, ICC17-225 WL, L-225 (ND) WL, L-225 WL, ICC17-227 WL, L-227 (ND) WL, L-227 WL, ICC17-223 WL, L-223 (ND) WL, L-223 WL, ICC17-224 WL, L-224 (ND) WL, L-224 WL, ICC17-228 WL, L-228 (ND) WL, L-228 WL, ICC21 L141 MS 01 22, L141 ND 02 22, L141 SD 02 22, ICC17-WP WL, L-WP WL, L-WP (SD) WL, ICC17- GPO WL, L-GPO WL, ICC21 L327 MS 10 21, L327 MS 10 21