Americas Covered

Americas CoveredAmericas CoveredAmericas Covered

Americas Covered

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Your Money Should Work as Hard as You Do - And Keep Your Family Covered.

Your Money Should Work as Hard as You Do - And Keep Your Family Covered.Your Money Should Work as Hard as You Do - And Keep Your Family Covered.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. 

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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.

Frequently Asked Questions

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.


Our Mission

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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Fill out the form with any questions you have about finding the coverage that's right for you!

Americas Covered

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