Flexible Life Insurance

Long-term, flexible life insurance 
Coverage that can change as your life evolves

More About Flexible Life

What is DreamSecure Flexible Life Insurance? 

DreamSecure Flexible Life Insurance is an adjustable policy. It lets you change your premium and coverage amount to fit your life insurance needs. It also features living benefits such as cash value accumulation.

Did you know?

Our life insurance calculator can help you compare policies and determine the coverage amount that best fits your needs.

Benefits of Flexible Life Insurance 

Adjustable life insurance can provide long-term, flexible protection that builds cash value. It can change as your life changes, giving you more control over your policy. Here are some ways our DreamSecure Flexible Life Insurance can help you meet your long-term goals.

Builds Cash Value  

If you decide to keep your policy's original coverage amount, you can maximize its coverage and cash value over time.

Adaptable Coverage 

Let’s say you needed more from your life insurance when your family depended on your income. Now, you're retired, and your kids are financially independent.

The policy's paid-up insurance option lets you reduce your coverage when your life insurance needs decrease. By electing this option, no further premiums are due.*

an engagement ring being put on a finger

More Coverage When You Need It

You're a new graduate and plan to marry in the next few years. While you've opted for a lower coverage amount now, you'll need more after you start your family.

Adding the Guaranteed Purchase Option Benefit Rider allows you to buy more life insurance at specified ages and life events without medical questions or an exam.**

Add Coverage on Your Children

Buying the Children’s Insurance Rider provides $15,000 of term life coverage on eligible children. The premium is the same, regardless of how many children you have, and coverage can be converted to an eligible long-term policy.

Keep Your Policy Through Injury or Illness

For another layer of protection, consider buying the Waiver of Monthly Deductions for Disability Rider. It waives certain monthly deductions if you become totally disabled.

Frequently Asked Questions

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Life insurance underwritten by American Family Life Insurance Company, 6000 American Parkway, Madison, WI 53783.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to polices, endorsements or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

Riders are available for an additional cost.

*When you elect to continue this policy as paid-up insurance, no further premiums will be due, any benefit riders in force under this policy that add coverage will terminate, and loans and partial surrenders are not allowed.

**The Guaranteed Purchase Option may be exercised only at specified dates and life events and is subject to benefit amount limitations.

Policy forms: ICC21 L141 MS 01 22, L141 ND 02 22, L141 SD 02 22, ICC19-GPO UL, L-GPO UL, ICC22 L328 MS 01 22, L328 MS 01 22, ICC19-WMD UL, L-WMD UL