About Affordable Life USA
For over thirty years, our agency has provided a platform for comparing hundreds of life insurance policies without the stress of high-pressure sales tactics.
Our experienced team of financial planners has helped thousands of clients obtain affordable coverage through our efficient online application process.
Our founder, Eric Van Haaften, expanded our consumer-centric sales model nationally by leveraging the influence of renowned publications such as Time, Newsweek, and The Wall Street Journal.
Eric acquired his love for quantitative analysis while getting his business degree from Ferris State University, which provided a solid foundation for his analytical approach to financial planning.
Our Life Insurance Policies
Our Life Insurance PoliciesWhether you are an individual in need of personal coverage or a business owner seeking protection, it is essential to evaluate the life insurance policies available to you.
Understanding the differences between term, universal, and whole-life insurance can guide you to a choice that meets your coverage needs.
Our company provides tailored coverage solutions, and numerous policies are available without needing a medical examination to qualify.
Term Life Insurance
Term insurance offers an affordable way to secure your family’s financial future by covering costs such as mortgage payments and replacing lost income.
Our term life insurance plans can be tailored in duration to meet your family’s protection needs.
- Annually Renewable Term: ART policies offer a constant death benefit but start with lower premiums that rise each year.
- Level Term Life: This popular coverage option offers guaranteed death benefits and fixed premiums for a designated period.
- Return of Premium Term: ROP term guarantees that your premiums will be returned to you tax-free if you are still living at the end of the term period.
We typically recommend level-term life insurance because it covers a defined period, typically between 10 and 40 years.
A 10-year term policy is the most cost-effective, whereas 30-year and 40-year term policies provide longer-term protection at a higher price.
If you outlive your term policy, you will not receive a payout unless you convert it to permanent coverage.
Permanent Life Insurance
Permanent life insurance is designed to cover your entire life and includes a cash value component.
This cash value grows tax-deferred and can be borrowed or withdrawn for various needs such as emergencies, educational costs, or retirement income supplementation.
Various types of permanent life insurance exist, each offering unique benefits to cater to diverse requirements.
- Guaranteed Universal Life: GUL offers lifetime death benefit protection and a cash value component that earns a conservative fixed rate.
- Indexed Universal Life: This investment-oriented policy offers lifelong coverage and allows for cash value accumulation linked to the performance of the S&P index.
- Whole Life Insurance: This permanent protection offers fixed premiums, cash value accumulation, and dividends.
Utilize our calculator to examine various options for immediate life insurance quotes. You can assess term and permanent life insurance quotes in just a few minutes!
Affordable Life Insurance Quotes
- Select Duration
- Select Amount
- Press Get Quote
We have simplified the process of purchasing life insurance by representing some of America’s top life insurance companies.
Our insurers provide an optimal mix of innovative product design, equitable underwriting practices, and competitive pricing.
Moreover, these insurance providers boast the highest ratings from the Better Business Bureau, AM Best, and J.D. Power.
Our Life Insurance Companies
| COMPANY | BBB | AM Best | JD Power |
|---|---|---|---|
| AIG | A+ | A | 718 |
| AXA Equitable | A+ | A+ | 752 |
| Banner Life | A+ | A+ | N/A |
| Brighthouse | A+ | A+ | N/A |
| Guardian Life | A+ | A++ | 760 |
| John Hancock | A+ | A+ | 739 |
| Lincoln Financial | A+ | A+ | 744 |
| Mass Mutual | A+ | A++ | 780 |
| Metlife | B- | A+ | 780 |
| Mutual of Omaha | A+ | A+ | 766 |
| Nationwide | A+ | A+ | 806 |
| Pacific Life | A+ | A+ | N/A |
| Principal Financial | A+ | A+ | 774 |
| Protective | A+ | A+ | 742 |
| Prudential | A | A+ | 770 |
| SBLI | A+ | A+ | N/A |
| Transamerica | A+ | A+ | 720 |
Contact Affordable Life USA
7820 Thornapple River Dr. Caledonia, MI 49316
2524 Woodmeadow Dr., Grand Rapids, MI 49546
eric@affordablelifeusa.com
1-877-249-1358