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Whole Life Insurance

DreamSecure Whole Life Insurance

  • Permanent coverage that helps provide financial protection for those who matter most to you
  • You can keep your loved ones' dreams alive with this fixed-premium policy

Learn More

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What is Whole Life Insurance?

Protect your loved ones with whole life insurance. It's a lifelong policy with premiums that remain the same and it includes living benefits like cash value.

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At American Family Life Insurance Company, we don't believe in a one size fits all approach.

That's why we offer a variety of life insurance options and coverages, built to fit your life.

Designed with affordability in mind, a DreamSecure Whole Life insurance policy is a simple, convenient way to help you protect your family's future.

A whole life insurance policy provides long-term coverage, with premiums that never increase, even if your health changes.

Want the security of additional coverage down the road? With a guaranteed purchase option benefit rider, you can buy additional coverage at specific times in your life, without additional medical questions or exams.

And a DreamSecure Whole Life Insurance policy builds cash value.

Think of DreamSecure as financial protection and peace of mind to live your life today, all in one policy.

Get the financial protection you and your family deserve with a life insurance policy that fits your life.

Get DreamSecure.

Contact your agent today.

Our Whole Life Policies

In addition to whole life policies for children and seniors, we offer: DreamSecure 15 Pay Whole Life Insurance – fully paid after 15 years with coverage that lasts a lifetime.

DreamSecure Whole Life Insurance – permanent coverage with guaranteed level premiums that are stretched out until age 100.

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Did you know?

We make it simple to help you determine the amount of coverage you need with our Life Insurance Calculator.

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Benefits of Whole Life Insurance

Our whole life policies help you protect your loved ones financially. With this permanent coverage, you'll have peace of mind knowing your loved ones are cared for when you pass away.

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Fixed Premiums

Your premiums won’t increase regardless of age or health changes. That means no surprises and no increased financial burden with life changes.
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Accumulates Cash Value

You may need money to help pay for things like unexpected car maintenance costs. The cash value grows over time allowing you to borrow against it in the form of a loan or, if you no longer need the coverage, you could surrender the policy and take the cash value.*
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Long-Term Protection

You know you need life insurance but don’t want to worry about coverage ending after a set number of years. When you buy DreamSecure 15 Pay Whole Life Insurance or DreamSecure Whole Life Insurance, you're getting lifelong coverage.
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Keep Your Policy Through Injury or Illness

For another layer of protection, consider buying the Waiver of Premium Benefit Rider. It waives premiums if you become totally disabled.
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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.**

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Add Coverage on Your Children

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

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This is a brief description of coverage and is subject to policy and/or rider terms and conditions which may vary by state. Fixed and guaranteed premiums are statements about the policy as determined at issue, and any changes made to a policy may affect the premium and are subject to our underwriting rules. The words lifetime, lifelong and permanent are subject to policy terms and conditions.

Riders are available for an additional cost.

*Any loans taken from your life insurance policy will accrue interest. Any outstanding loan balance (loan plus interest) will be deducted from the death benefit at the time of claim or from the cash value at the time of surrender. If the loan balance grows too large for the cash value to support it, the policy could terminate.

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

Policy forms: ICC18-33 (10), ICC18-33 (15), ICC18-34 (20), ICC18-35 (30), L-33 (10)(ND), L-33 (15)(ND), L-34 (20)(ND), L-35 (30)(ND), L-33 (10)(SD), L-33 (15)(SD), L-34 (20)(SD), L-35 (30)(SD), ICC18-36 (10), ICC18-36 (15), ICC18-36 (20), ICC18-36 (30), L-36 (10)(ND), L-36 (15)(ND), L-36 (20)(ND), L-36 (30)(ND), L-36 (10)(SD), L-36 (15)(SD), L-36 (20)(SD), L-36 (30)(SD), ICC22 L152 MS 06 22, L152 ND 06 22, L152 SD 06 22, ICC17-225 WL, L-225 (ND) WL, L-225 WL, ICC17-227 WL, L-227 (ND) WL, L-227 WL, ICC17-223 WL, L-223 (ND) WL, L-223 WL, ICC17-224 WL, L-224 (ND) WL, L-224 WL, ICC17-228 WL, L-228 (ND) WL, L-228 WL, ICC21 L141 MS 01 22, L141 ND 02 22, L141 SD 02 22, ICC17-WP WL, L-WP WL, L-WP (SD) WL, ICC17- GPO WL, L-GPO WL, ICC21 L327 MS 10 21, L327 MS 10 21