Your Money Should Work as Hard as You Do - And Keep Your Family Covered.
You work hard to build something real- your wealth, your business, your family's future. We help you protect all of it.
You work hard to build something real- your wealth, your business, your family's future. We help you protect all of it.
Affordable Protection for Life’s Uncertainties
Term life insurance provides coverage for a specific period—typically 10, 20, or 30 years—at an affordable rate. It’s ideal for young families, new homeowners, or anyone looking for high coverage at a lower cost. If something happens during the term, your loved ones receive a tax-free death benefit to help cover expenses and maintain their standard of living.
Lifelong Coverage with Cash Value Growth
Permanent life insurance offers lifetime protection along with a cash value component that grows over time. It’s a smart solution for those seeking long-term security, estate planning tools, or a way to build tax-advantaged wealth. As long as premiums are paid, coverage never expires.
Protection + Wealth-Building Potential
An IUL combines life insurance protection with the ability to grow cash value based on market indexes—without the risk of market losses. With flexible premiums and tax-free access to funds, IULs are powerful tools for long-term financial growth, retirement planning, and generational wealth strategies.
Access Your Benefits When You Need Them Most
Living Benefits are optional riders that allow you to access your life insurance policy’s death benefit while you're still alive—if diagnosed with a critical, chronic, or terminal illness. This feature brings peace of mind, offering financial support when facing serious health challenges.
Guaranteed Income for Your Retirement Years
Annuities are financial products designed to provide steady, guaranteed income—typically during retirement. Whether you're looking to grow your savings tax-deferred or convert assets into lifetime payments, annuities help protect against outliving your money while offering financial stability for the future.
Protect Your Legacy and Control Your Wealth
Trusts are legal tools that help you manage and distribute your assets according to your wishes—during your lifetime and after. Whether you're looking to avoid probate, minimize estate taxes, or provide for loved ones with specific instructions, a trust offers privacy, control, and peace of mind. It's a powerful addition to a well-rounded financial plan. America's Covered connects you with the best companies.
Please reach us at info@americascovered.com if you cannot find an answer to your question.
We offer a range of life insurance and annuity products including Term, Permanent, Living Benefits, and IUL.
Yes! We help clients use valid ID numbers to apply. Coverage is possible — let’s explore your options.
Not at all. Our consultations are educational — no pressure, just clarity. You’ll leave with a real plan, even if you’re not ready yet.
It depends on your goals. But many clients use an IUL with or instead of a 401(k) to grow wealth tax-free and access it without penalties.
At America’s Covered, our mission is simple: to help families, entrepreneurs, and individuals build lasting financial protection and generational wealth — all through personalized, affordable life insurance solutions. We believe everyone deserves access to strategies that grow money tax-free, protect loved ones, and provide peace of mind for the future. That’s why we offer bilingual support, no-pressure education, and customized plans from top carriers — so you’re never boxed into a one-size-fits-all policy. Whether you're in Texas, across the U.S., or in Canada, we’re here to guide you toward security, stability, and legacy.
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