Term insurance is designed to be affordable and cover your family's needs for a specific period of time. This is an ideal product for anyone starting a family or looking for individual life coverage at a low cost. Our flex term is built to last 20 years and provides higher levels of coverage when your needs are greater. Each family and individual is unique and its insurance needs can be equally different. Our Flex 20 plan offers a number of coverage options that allow you to design the coverage that meets YOUR needs.
Flex Term 20 is a low-cost term plan that also offers spouse and child insurance riders. It is convenient to combine total family coverage into one monthly premium. Obtaining coverage now can avoid so many problems in the future for your loved ones. It will provide the peace of mind in knowing no matter what happens, your family's needs are covered.
Easily to combine and cover all of your family members coverages into one policy, making it one single monthly premium. Enjoy the simplicity and high coverages for everyone with one payment.
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 65. If you chose to stay with your Term Life Plan, it is renewable to age 95.
The cost of a term life insurance policy is very affordable while offering high coverage amounts from $100,000 to $2 million for ages 18-65. Your premiums will also stay level for 20 years.
For 20 years, you'll have level life insurance coverage. If you were to pass away unexpectedly, your coverage would provide several benefits such as paying for burial and final costs, mortgage cost, housing & living expense for children at home as well as schooling costs for a spouse or child.
Policy Riders Available
We know you are unique and offer flexibility when it comes to optional coverages. With our flexible riders, you can combine coverage for all of your family members into one convenient monthly premium.
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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Flex Term 20 Frequently Asked Questions
How long does coverage last?
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20 years of level insurance coverage. After 20 years, the policy can be renewed each year for an increased premium.
What are the amounts of insurance coverage available under this plan?
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Amounts of insurance available range from $100,000 to $2 million.
What riders are available for this policy?
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Spouse term rider providing coverage on a spouse for the same period. Child term rider, which provides term coverage on all children who are under age 19 at time of issue. Child term rider covers all children for one price. Accidental Death Benefit ride that doubles the insurance coverage if death results from accidental causes. Disability Waiver rider that will continue to pay the life policy premiums if the insured becomes d
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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.