It's never too early to protect your future.

Help protect your family's financial well-being with Term Life Insurance. No one wants to think about the unexpected, but with Term Life Insurance you can help ensure your family's financial security and protect the life you've built.

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Learn more about Term Life

Purchasing life insurance is made easy with Term Life Insurance.

Apply in minutes with a hassle-free, secure online application

Only a few simple health questions to apply

Apply for $25,000 up to $250,000 in coverage online

Fixed rate for a specific period of time, pay for as long as you determine you need coverage, not for your whole life

Underwritten by American National Insurance Company. Trusted since 1905. New York Policies underwritten by American National Life Insurance Company of New York.

Frequently Asked Questions

What is Term Life Insurance?
Term is the most basic type of life insurance. It gives you the life insurance coverage you need for a specific period of time at a price that won't break the bank. Term Life Insurance provides you with the most protection for the money you have to spend.

What are the features of Term Life Insurance from MyLifeProtected?
The features include:

  • To cover the "what if's" in life: To protect your loved ones and take care of them if anything were to happen to you
  • To give you one less thing to worry about: Most financial experts consider life insurance to be the cornerstone of financial planning. Life insurance can be very valuable, especially in the following situations:
  • Replacing your income: You mostly likely have loved ones who depend on you and your income. Life insurance can help replace that income if anything were to happen to you
  • Covering your debts: Life insurance can be used to pay off any debt from loans, credit cards or medical expenses not covered by health insurance that you may leave behind and end-of-life expenses, such as burial and funeral costs.
  • Establishing an inheritance for your dependents: Life insurance can provide an inheritance for your loved ones.
  • Paying final taxes: You don't want your family members to have to worry about paying your federal and state estate taxes if something were to happen to you. Life insurance can be used to cover this expense
  • Contributing to charitable organizations: Name your favorite charity as your beneficiary and you'll be able to leave them a larger amount of money than if you donated cash from other sources

Who Should Purchase Life Insurance?
Life insurance is one of the best ways to help provide protection for the people who depend on you for financial support. If something happened to you, the people who count on you will lose your income. Life insurance can help cover some or all of that financial loss.

  • Parents: If you have a family, you need to have sufficient insurance to protect them. If something happened to you, your family would be stuck with your debt and unpaid bills. Without your income, who knows what could happen to them. That's why you need to make sure you're protected now.
  • Working Couples: Make sure your spouse doesn't get stuck with unpaid bills. Protect them with a policy that will replace your income and help make sure your spouse can maintain the lifestyle that you both worked so hard to achieve.
  • Singles: If you're caring for elderly parents or others, you should have life insurance. If anything happens to you, the money from your life insurance policy can help provide support for the people you're caring for.
  • Retirees: If you're retired or will soon retire, you want to relax, and not worry about who will provide for your family if and when you no longer can. Get the protection you need to make retirement a stress-free time in your life.

How Much Life Insurance Coverage Should I Purchase?
Before you get a Life Insurance quote or apply for Life Insurance coverage you should first determine how much Life Insurance you need.

For example, do you know how much cash and income your dependents will need if you're no longer around to provide for them? Your Life Insurance coverage for you and your spouse should come as close to that amount as you can possibly afford.

Once you know how much you need, you'll also want to consider:

  • Are you supporting a family?
    A long-standing rule of thumb is that your total Life Insurance benefit should equal 5 to 7 times your annual gross income. That amount will protect your family and ensure they keep the protection for the long-term.
  • Are you looking to pay for funeral expenses?
    Decide what kind of funeral you would like to have and do some research on how much it will cost. Then purchase that amount of Life Insurance coverage or a little higher to account for rising funeral costs.

The key thing to remember when you purchase Life Insurance is this: if you can't afford the coverage you need, purchase what you can afford now and work your way up to your desired amount as you have more available income. Even a small amount of Life Insurance can help ease the transition that your family will undergo without you.

Whether you're buying your first policy or supplementing what you already have, MyLifeProtected and American National have made it as convenient as possible to get the low cost Simplified Term Life Insurance you need.

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The Accelerated Benefit Agreement is included on every policy for no additional charge and with no effect on premium amount. This agreement allows you to access a portion of the death benefit coverage in the event of terminal illness.


Following the level premium period, premiums will increase annually based on the insured's attained age, sex and rate classification. Coverage begins upon first payment. American National Freedom Term Life Insurance is issued and underwritten by American National Insurance Company, Galveston, TX, American National Life Insurance Company of New York, Glenmont, NY. Policy Form Series ART12, ART12(NY).