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If something happens to you, the last thing you want is for your family to worry.

Get a life insurance policy that will pay off your home in the event of:


In an event of a death, your insurance plan can pay off your ENTIRE mortgage.

Critical Illness

Pays you a lump-sum cash benefit when first diagnosed with Cancer, a Heart Attack, or Stroke.

Money Back Option

Returns 100% of your premiums if the benefits are not used, making the cost of your insurance $0.

Lock in your rate by completing the form below:

...and it may cost you nothing.

With a home life plan, you’ll get every dime back if you never use your benefits. Once you pay off your home, the insurance company will pay back all of your premiums.

Like life insurance, except for your home.

The most common way of someone losing their home is a death or critical illness.

Bonnie Thomas received $234,364 by having critical illness coverage.

Bonnie Thomas was a mother of three whose husband Bill was a salesperson for a small manufacturing company. Bonnie worked for an automobile dealership in the title transfer department and had been there for 12 years. In 2011, Bill and Bonnie had a good year financially and decided to meet with a financial advisor who advised them to purchase life insurance to provide for the family in the event of untimely death. Bill and Bonnie decided that they would each apply for a $250,000 20-Year Term insurance policy from American National that they could convert to a permanent policy in the future. One of the features they liked were the Accelerated Benefit Riders that may pay a benefit if they had a qualifying chronic, critical, or terminal illness that impacted future life expectancy. Six months later Bonnie began experiencing frequent indigestion, bloating, and severe heartburn but thought it was due to her love for spicy foods. Several months later Bonnie’s indigestion became worse and she started suffering from nausea and vomiting. Bonnie visited the doctor who ordered multiple tests including a stomach biopsy. These tests showed that Bonnie had stomach cancer with mastitis of the liver in which Bonnie’s liver had been almost totally displaced by the tumor. The news was devastating. They cried the entire weekend and told the children Mom was very ill. Bonnie started treatment and was so sick that she was unable to work and Bill was forced to take time from his job to take care of her. Their lives would never be the same. Bonnie and Bill went through their savings in months, medical bills continued to pile up, and Bonnie became stressed over the financial hemorrhaging her illness was causing. Bill talked with their financial advisor who suggested they submit a claim for the Accelerated Benefit from Bonnie’s term life policy. They applied and ten days later they were e-mailed their offer for $234,364.24. They were elated with the offer and immediately accepted. In calculating the offer, the American National doctor determined that Bonnie had a 4.2% chance of living for five years. Bonnie’s claim was filed for critical Illness but the offer was based upon a terminal illness benefit. Due to the significantly reduced life expectancy, Bonnie received the maximum payout.

It's never too soon to start protecting your home and family.

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