About Affordable Life USA
Affordable Life USA is dedicated to providing comprehensive life insurance solutions to families and business owners throughout the United States.
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.
Eric Van Haaften, LUTCF
eric@affordablelifeusa.com
7820 Thornapple River Dr. Caledonia, MI 4931
2524 Woodmeadow SE Grand Rapids, MI 49546
1-877-249-1358
Our Life Insurance Policies
We are pleased to present a variety of life insurance options, each designed to meet individual needs and offer di
stinct benefits.
Term Life Insurance
Our term life insurance policies span ten to forty years, offering the security of fixed premiums throughout the chosen duration.
We highly recommend term life insurance as a cost-effective and practical solution for most clients.
A 10- or 20-year term policy is the most economical choice among the options available.
Conversely, selecting terms of 30 or 40 years may lead to higher costs due to their extended coverage periods.
Guaranteed Universal Life Insurance
Many clients prefer guaranteed universal life (GUL) insurance for reliable, cost-effective, lifelong protection.
This type of policy offers a guaranteed death benefit for your beneficiaries, regardless of when you pass away.
While GUL policies have a modest cash value component, the main appeal lies in the combination of long-term security and affordable premiums.
Indexed Universal Life
Indexed universal life insurance provides the flexibility to allocate cash value to fixed or different indexes, such as the Dow Jones, S&P 500, and the NASDAQ.
The cash value savings in IUL policies grow based on index performance, with gains typically capped at a certain percentage.
Remember that life insurance companies can adjust the cap, but you won’t lose any money if the index value decreases.
Whole Life Insurance
Our whole life insurance secures your premiums, death benefits, and cash values for your lifetime.
The cash value of this policy experiences tax-deferred growth over time through compound interest.
Despite being more expensive, participating whole-life policies offer tax-free dividends, which can be used to decrease premiums or bolster the policy’s cash value.
You can use our life insurance calculator to explore various options if you need quotes. You can compare term and permanent life insurance quotes in just a few minutes!
Life Insurance Quotes
- Select Duration
- Select Amount
- Press Get Quote
Our Life Insurance Companies
When it comes to purchasing life insurance, Affordable Life USA offers a range of policies to meet your family’s current and future needs.
We’ve partnered with some of the many life insurance providers to save you both time and money without compromising on the quality of coverage.
These insurers not only offer the lowest rates but also boast the highest ratings from reputable organizations such as the Better Business Bureau, AM Best, and J.D. Power.
| 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 |