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.
Secure your future with Americas Covered
Term LIfe Insurance
Indexed Universal Life (IUL)
Permanent Life Insurance
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.
Permanent Life Insurance
Indexed Universal Life (IUL)
Permanent Life Insurance
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.
Indexed Universal Life (IUL)
Indexed Universal Life (IUL)
Indexed Universal Life (IUL)
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.
Living Benefit Riders
Living Benefit Riders
Indexed Universal Life (IUL)
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.
Annuities
Living Benefit Riders
Annuities
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.
Trusts
Living Benefit Riders
Annuities
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.