We also offer plans that do not require a medical examination and still offers long term coverage at a reasonable price. This plan is a level term product with 10-30 year lengths and is convertible to whole life up to age 70.
Advantage Term is a mid-range cost level term product that does not require a medical exam. It is renewable after the initial term up to age 95 with coverages from $50,000-$250,000.
No Medical Exam
With a simplified medical questionnaire, no exam is needed.
Convertible to Whole Life
Convert your Term Life Plan to whole life to have coverage your entire life. We can convert your policy up to age 70.
The cost of a level term life insurance policy is mid-range premium while offering coverage amounts from $50,000-$250,000 for ages 18-65.
Policy Riders Available
We know you are unique and offer flexibility when it comes to optional coverages. We offer an Accidental Death Benefit and a Disability Waiver Benefit.
Ready to insure your biggest asset?
You insure your home and auto but the most important asset to insure is you and your ability to provide income for your family needs.
Determining the right product and the amount of coverage may seem like a daunting task but with the experience of our local agents in your community, they'll help you find the right coverage. AFR Life is prepared to help you protect what matters.
Find an AFR agent today and start exploring the coverage options that best fits your needs!
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Advantage Term Frequently Asked Questions
What terms are available for Advantage Term?
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This product offers 10, 15, 20 & 30 year terms.
How is Advantage Term different from your other term products
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The Advantage Term has a non-medical underwriting, meaning that no medical exam or blood draw are required to underwrite this product. Medical and prescriptions may be requested but there is no medical exam.
What are the coverage limits on Advantage Term?
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Amounts of insurance available for this product range from $50,000 to $250,000.
Why Choose AFR Life?
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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determination. Such terms may vary and exclusions may apply. Other discounts may be available on an individual basis. All policies are different and your policy may not qualify for all discounts listed.
AFR Insurance is proud to have earned a Financial Stability Rating of A from Demotech, Inc. The Financial Stability Rating is an indicator of an insurance company's strength. An A rating means AFR has "Exceptional ability to maintain liquidity of invested assets, quality reinsurance, acceptable financial leverage and realistic pricing while simultaneously establishing loss and loss adjustment expense reserves at reasonable levels."
Demotech awards this rating after performing a thorough review of a company's financial statements. This rating is independent of the size of a company due to Demotech's belief that a small, well-run insurer may outperform a larger insurance company.