Straightforward life insurance
Life insurance built for Amerikin families
See what coverage could look like for your family, get an early read on whether a medical exam may be needed, and track every step online. The insurer makes the final decision.
A clearer path in three steps
Start online, meet a licensed agent who builds your coverage plan, and follow your application right up to the insurer's decision, so you're never left guessing.
Answer a few questions
Tell us your goal and a few basic details, and we'll give you an early read on whether exam-free may be available or medical evidence is expected.
See your coverage plan
A licensed agent puts together your coverage plan and walks you through the numbers before you apply.
Track the decision
Follow the insurer's review through to the final decision in one place. If your application is approved, your policy is issued and delivered.
Built for the people who build America
Life insurance built around hardworking American families and the people they want to protect.
Same old Amerikin values, built on new technology.
The same trust American insurance was built on, guided by what matters most to families:
- Provide for your family
- Leave it better for the next generation
- Steward what you've built
- Honor your obligations
- Sleep easy at night
An agent prepares your coverage plan, your application moves through the insurer's review, and every update stays in one place.
250 years of American life insurance
Sources: ACLI Life Insurers Fact Book and industry estimates. Figures are illustrative of long-term category growth.
Questions, answered
The things families ask us most, before you ever pick up the phone.
Do I need a medical exam?
It depends on your age, the coverage amount, where you live, and your health. We give you an early read: exam-free may be available, medical evidence may be expected, or a licensed review may be needed. The insurer makes the final call and can still request evidence.
How fast can I actually get covered?
You can start online right away. How soon you're covered depends on a few things: your agent preparing your coverage plan, you completing the application, any medical exam or records, and the insurer's review and approval.
What is Amerikin's role?
Amerikin brings together your information, a licensed agent's work, and the insurer's review. The insurer, not Amerikin, decides on coverage, pricing, and policy terms.
What coverage can I explore?
Permanent life coverage, in two forms: Amerikin Gold iUL and Amerikin Freedom iUL. A licensed agent and the insurer still confirm what's available to you.
What if instant screening is not available?
It can still move forward with a medical exam, health records, or a conversation with the insurer. A possible path is never a promise of approval or guaranteed acceptance.
When does coverage begin?
Not when you finish applying online. Coverage begins only after the insurer approves your application, issues and sends your policy, your first payment is made, and every policy condition is met.
Amerikin: Protecting American kin.
Start online in a few minutes. See every step, from your agent to the insurer's final decision.
Start my plan