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different types of life insurance products, whole life insurance policy, term life insurance policy, diagram of life insurance types

Life Insurance Policy

The insurance protection your family needs, to ensure a secure and prosperous financial future.  Life insurance policies are meant to cover the cost of your Final Expenses if you were to unexpectedly pass away.

What Is A Life Insurance Policy Used For?

  • Final Expenses 

(Burial Needs, Cremation, Urn, Ceremonial Remembrance Services, Funeral Expenses, End Of Life Needs, Celebration of Life Ceremony, Opening & Closing of the Casket, Headstone, Casket)

  • Medical Expenses & Debt 

(Credit Card Debt, Hospice Care, Hospital Bills, Skilled Nursing Assistance, Palliative Care, Out-Of-Pocket Care Costs) 

  • Income Replacement 

(Help Pay For Everyday Expenses For Your Loved Ones When You Pass Including Rent, Food, Transportation, Child Care, Health Care, Utilities)

  • Mortgage Protection 

(Help Pay For Mortgage And All Associated Debts, In The Event, The Borrower Dies Within That Term Insurance Period)


  • Children's Education 

(Help Ensure Your Child Gets Money Towards Their Education Goals)

  • Children's Headstart


(Whole Life Policy For Your Underage Child, Allowing You To Cover Their Lives, And Help Them Lock In A Low Monthly Rate For Pennies On The Dollar)​




  • Final Expense Insurance (for individuals between the ages of 50-90 years old)

  • Guaranteed Issue (Guaranteed coverage; no medical questions asked)

  • Whole Life Policies 

  • Term Life Policies

  • Index Universal Life 

  • Guaranteed Universal Life

  • Mortgage Protection

  • Income Replacement Protection 




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For help, choose one of the above options to talk with a licensed life insurance expert:

  • Our life insurance experts at American Policy Insurers are standing by and here to provide you with vital and important information regarding the various types of life insurance policies available in your area that you may qualify for.

  • We offer a variety of life insurance and investment products, with credible life insurance carriers that all offer unique types of Whole Life, Universal Life, Final Expense, Term, Annuity, as well as Supplemental life insurance policies like accident, sickness, and cancer.

  • You will get access to a certified and licensed broker by quickly and easily submitting your info online to check if you or your business would qualify or not for these different types of life insurance benefits that are subject to state regulations.  

  • In certain cases, some of our clients even qualify for preferred rates with certain life insurance companies If the applicant presents both excellent health conditions and history, and can be explained to you by your American Policy Insurer over the phone.

  • Does every business qualify for ERC?
    Not every business qualifies for this federal, tax credit funding. With that said, our tax credit experts only handle serious inquiries, professionals seeking advice and knowledgeable advice on how to get qualified for these limited time benefits. The provided information will be reviewed and a decision will be made on your potential eligibility. If we feel your business would be a good candidate for ERC, we handle the entire process for you start to finish, including submitting the official paperwork to the IRS. We have helped over 20 businesses get refund checks, some as large as $486,000, apply with American Policy Insurers today!
  • If my business is accepted for ERC do I have to pay these funds back?
    No, these are tax refund checks owed to you under the CARES Act, if qualified to recieve them. Our tax credit experts are ready to help determine your eligibility.
  • To qualify for this program, do only W-2 employees count for ERC credit?"
    Yes, only if the business had full-time W-2 employees between 2019-2021, will the business be eligible to receieve ERC tax credits.
  • If I have received PPP funding, am I still eligible for ERC?"
    Yes, you can still qualify for Employee Retention Credits unless it was authorized under the CARES Act. If qualified, you not have to pay these funds back, if your business meets the eligibility guidelines provided by our tax credit experts at American Policy Insurers.
  • What's considered a "decline in gross receipts"?"
    If your business experienced a shutdown due to the pandemic, a disruption in the supply chain or service your business provides, you may quaify for ERC.
  • Can non-profits apply to receive ERC?
    Yes! If you are a non-profit organization you can still get qualified for each full-time employee.
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