American Family Life Insurance Review 2026

While they might be better known for homeowners and auto insurance, American Family offers an array of both term and permanent life insurance products. Strong financial strength and few customer complaints could make the company worth considering. And if you have another AmFam policy, adding life insurance to a bundle could help you qualify for a discount.

American Family earned 4.6 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Based on these ratings, American Family made our lists of the best burial insurance policies and the best life insurance for children in 2026.

» MORE: Best life insurance companies

Where American Family stands out

American Family sells many types of insurance, and bundling them together could earn you discounts on your home and/or auto insurance. In addition to life insurance, American Family offers auto, homeowners, renters, pet, umbrella and travel insurance, among other lines. And American Family customers very rarely file complaints about their life insurance policies.

Where American Family falls short

You can start the life insurance process on American Family’s website, but before long, you’ll be asked to submit your information so an agent can contact you. We were able to get price estimates for term and whole life insurance, but you’ll need to request a quote and work with an agent to move forward after that. And American Family’s site is a little sparse on details about its prices and options for benefit amounts.

Term life insurance. American Family offers term life insurance policies with coverage amounts starting at $50,000 for terms of 10, 15, 20 or 30 years. Your premium stays the same during the term. After your term expires, you might have the option to renew at a higher rate, or convert a term policy into permanent life insurance.

Whole life insurance. AmFam has a diverse whole life insurance lineup if you’re interested in permanent coverage that builds cash value over time. With DreamSecure whole life insurance, you have the option to pay premiums over 15 years or until age 100.

There are also whole life products specifically for children, with coverage available starting at $25,000 up to $75,000. For applicants ages 50 to 80, DreamSecure Senior Whole Life offers policies with $10,000 or $15,000 in coverage. American Family’s DreamSecure whole life offers customizable coverage amounts, so you’ll have to work with an agent to get more information.

Universal life insurance. DreamSecure Flexible is AmFam’s brand name for its universal life insurance policies. These policies offer permanent coverage that builds cash value similar to whole life insurance. You can adjust your premiums and coverage amounts, which could be helpful if you expect your income and/or life insurance needs to change over time.

No-exam life insurance. American Family offers some term life insurance policies that don’t require medical exams. DreamSecure SimpleTerm Life Insurance offers $50,000 to $750,000 in coverage, with terms lasting 10, 15, 20 or 30 years. But you’ll need to have an American Family home, auto, farm/ranch insurance policy or a term life policy that meets certain renewal criteria to qualify for more than $250,000 in coverage.

» MORE: Compare life insurance quotes

Below are monthly rates for a 20-year, $500,000 term life insurance policy from American Family. These are sample rates for a nonsmoking man and woman in excellent health — the final quote you’re offered will depend on factors like your age, health, lifestyle, occupation and driving record.

A strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Over three years, American Family has drawn significantly fewer than the expected number of complaints to state regulators for a company of its size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.

How American Family’s customer experience stacks up

American Family’s website is clean and simple, but it doesn’t offer much detail on the company’s policies. The site has decent information about term lengths and available riders, but not coverage amounts, and there’s no information on pricing.

And while pages describing basic term, whole, and flexible life insurance products are easy to find, it can be a little trickier to access and compare information on the company’s complete range of offerings.

You can get a quote online, but you’ll need to speak to an agent and probably take a medical exam to purchase a policy. Once you have a policy, you can’t change your beneficiary online or contact the company electronically for support.

What it’s like to apply for a policy with American Family

American Family’s website recommends two ways to get a quote: either work with an agent right away or “do it yourself” and start the process online.

Choosing the agent option takes you to a page where you can search for agents by location. You don’t need to provide any contact information to see agents.

If you choose to “do it yourself,” you start by entering your ZIP code and selecting the insurance type or types you want to quote. Next, you’ll be asked for some basic information, such as your name, date of birth, gender, address, nicotine usage, email address and phone number. Providing your phone number and agreeing to text messaging is optional.

Once you’ve entered your information, the next page helps calculate how much life insurance you might need. First, you enter information about the expenses you might want to cover with life insurance: mortgage, childcare, education, debt, final expenses and income replacement. Then, you fill in information about your other assets that might cover some of those expenses.

Based on the information you enter, the site calculates the amount of coverage you need and provides price estimates for whole life insurance and 20-year term life insurance.

That’s as far as you can go online. To move forward with a purchase or learn more about other products or coverage options, you’re prompted to connect with an agent. Hitting the “Request Quote” button submits your information so American Family can contact you.

Screenshot captured by our editorial team on February 19, 2026.

Screenshot captured by our editorial team on February 19, 2026.

In addition to its life insurance products, American Family offers a range of insurance, including these:

• Auto insurance.

• Business insurance.

• Homeowners insurance.

• Farm and ranch insurance.

• Renters insurance.

• Pet insurance.

• Travel insurance.

• Umbrella insurance.

American Family’s life insurance department can be reached by phone at 800-MYAMFAM (800-692-6326). Hours vary depending on what kind of help you need, but automated systems are always available.

If you have a policy, the company encourages you to contact your AmFam agent directly. You can find your agent’s details when you log into your account on the American Family website.