American Home Life offers a Traditional, Low Cost Whole Life Policy as well. The Value Whole Life Plan, like the American & Young American Plans, provides permanent protection solutions for policy owners. The Value Whole Life plan also has guaranteed premiums, cash values, and death benefits. Due to the reduced premiums associated with this product, AHL does not intend on paying dividends, so cash values, although guaranteed, will grow less quickly than with the American Plans. Also, unlike the American Plan, the death benefit for the Value Whole Life plan will not grow over time; it will remain level throughout the life of the plan. The #1 advantage of the Value Whole Life versus the American Plan is it's lower cost; the Value Whole Life Plan can be 15%30% less expensive than the American Plans.
 

• Life-long Protection at A LOW COST!

• Cash value available to you for 'rainy days'!

• Initially higher premiums than Term, but is widely considered to be less expensive in the long run!

• Reduced Paid-up option allows you to stop paying premiums while keeping a portion of your death benefit for life!

• $25,000 Face Amount Minimum

• Waiver of Premium in the event of disability, children's term, accidental death, guaranteed Insurability Riders available!