Life and Health Insurance Products

See how American Life and Health Group products can help you.

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Medicare Supplement insurance is the flagship product of American Life and Health Group. Our Company has been marketing Medicare Supplement insurance for over 35 years. Our Premier Carriers ─ United American Insurance Company, Globe Life And Accident Insurance Company, and Globe Life Insurance Company of New York ─ are not new to this space. They’ve been offering Medicare Supplement insurance since Medicare began and have been in the market ever since. If you are looking for an agent-friendly Carrier, look no further!

Our Premier Carrier, United American Insurance Company, developed a Reserve Fund Annuity (RFA), a flexible, premium-deferred annuity, to assist policyholders with accumulating funds needed to meet their Medicare deductible or coinsurance amount(s). There are no fees or penalty charges for withdrawal of funds. The interest rate is guaranteed to never be less than 3%! The RFA is available with ProCare Medicare Supplement Plans A, B, D, G, HDF, HDG, K, and L, where state approved.

Our Carriers’ final expense insurance policies provide permanent lifetime coverage as well as accumulate cash and loan values. Benefit amounts range from $1,000 to $25,000. Issue ages range from 50 to 80. No physical exam is required. A few health questions will determine those who qualify. In addition, premiums are guaranteed for life and there is the added benefit of a Terminal Illness Accelerated Benefit Rider (availability varies by state). The face amount is level for life and never reduces. A Graded Death Benefit may be offered for certain health conditions.

United American Insurance Company’s Critical Illness Policy (HealthGuard) pays a lump sum benefit directly to your client for a covered critical illness. The policy is available for people aged 18 to 64. The policy has lump sum benefits up to $50,000. The policy pays in addition to other coverage upon first diagnosis. The majority of states have five health questions on the application for the Critical Illness Policy.

Did you know that almost 40% of men and women will develop cancer?1 In most states, there are only three simple health questions an applicant needs to answer to determine whether the applicant qualifies for United American Insurance Company’s First Diagnosis Lump Sum Cash Cancer Insurance. Here’s how it works: The first time a covered person is diagnosed with a covered cancer, the policy pays a one-time cash benefit of up to $50,000 for the policyholder to use as they see fit. That’s it! There is neither a question about tobacco use nor a family history question. Have your client pay annually to save one month’s premium!

Source: 1. National Cancer Institute, Cancer Statistics, 2020

While coverage begins the day the application for United American Insurance Company’s Accidental Death policy is signed, no premium is due until the end of the first policy year! This $3,000 Accidental Death policy is issued for ages 16 to 68. It includes $3,000 spouse coverage as well as $1,000 child coverage (child coverage is $2,000 for FL Accidental Death policies). This $3,000 policy can open many doors and give you a never-ending referral stream. Take advantage of this opportunity!

For just pennies a day, United American Insurance Company's Juvenile Whole Life insurance policy may be able to help your client's family prepare for the unexpected. Your client can help protect their grandchild's financial future with whole life insurance. Benefit amounts range from $1,000 to $25,000. This is available for children aged 0 to 18. There are no health exams required. Extremely competitive rates make this the go-to policy for juvenile whole life insurance.