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Home > Health Insurance > Life Insurance > American Heritage Life
American Heritage Life
American Heritage Life Insurance Company was started in 1956 and is currently headquartered in Jacksonville, Florida. Licensed in 49 states, Puerto Rico, the District of Columbia, and the Virgin Islands, American Heritage offers a variety of healthcare products. American Heritage Life offers ordinary life, individual accident and health, annuities, group life, group accident and health, credit life and credit health insurance through licensed brokers and agents. American Heritage Life is a part of the Allstate Group, a company that has over 98 billion dollar in assets and nearly 27 billion dollar in revenue in 1999.
American Heritage Life provides Life Insurance services. Life insurance is an agreement by an insurance company to pay a specified sum when someone dies. The agreement is a contract between the insured person and the insurance company that provides the insurance. If the insured dies while the life insurance policy is in force, then the life insurance company pays the death benefit according to the beneficiary designations that the insured has provided.
When a life insurance plan is made, it is important to plan for more than simply replacing lost income. A good life insurance plan also covers funeral expenses, payment of outstanding dept, probate costs, childcare expenses, elderly care, and taxes. When children are involved it is also important to plan for their future college expenses as well as your spouse's retirement.
Life insurance is necessary for peace of mind. It provides the guarantees that your family will be taken care of financially in your absence. Current competition among life insurance companies has dramatically lowered life insurance premiums. A term life insurance policy offering 250,000 dollar worth of life insurance protection that cost 600 dollar a year, just seven years ago, would have an annual term life insurance premium of about 275 dollar today. When they say they can save you 25 to 60 percent on your term life insurance premiums it is not just marketing hype.
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