Affordable Life Insurance

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affordable life insueance quotesFinding you affordable life insurance rates is our primary goal. Learn how our independent agency can help you save time and money when comparing life insurance.


affordable life insuranceMedical Conditions


Let us help you by applying our knowledge of life insurance underwriting to find you the cheapest life insurance policy based on your health and lifestyle.

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 Business Owners


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Learn how we help successful business owners secure affordable life insurance plans to protect their income, cover business loans, fund key person and buy-sell coverage.

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Protect your Estate


affordable life insuranceDo you have estate tax or estate liquidity problem? Learn how wealthy families can leverage life insurance premiums to maximize their estates for future generations.

Top Life Insurance Companies


We compare affordable life insurance rates from over 100 companies, including:


Do you Need Affordable Life Insurance Quotes?

Are you trying to secure affordable life insurance for your family?

Congratulations, you have landed in the right spot!

Getting free life insurance comparisons is a snap with Affordable life USA.

It has never been easier to compare low cost life insurance quotes!

Simply, press "Get Quote"to instantly see how affordable life insurance rates can be for your family.

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Need Agent Help: 1-877-249-1358

If you eventually decide to work with us, we promise to assist you from start to finish, with the ultimate goal of finding you the cheapest life insurance policy in the today’s marketplace.

Affordable life USA is made up of a team of dedicated and highly qualified insurance agents and financial planners.

We pioneered the concept of selling affordable life insurance by phone, mail, and internet on a nationwide level.

Initially, we began selling inexpensive life insurance plans directly to clients on a national scale by being featured in publications such as: Time, Newsweek, Us News, and the Wall Street Journal.

Types of Affordable Life Insurance

Affordable Life USA helps people identify the perfect type of life insurance policy to compliment their overall financial plan. We would love to help you understand, compare and buy the best life insurance plan for your family.

First, let’s go over the basic types of life insurance plans:

  • Term Life Insurance A term life insurance plan offers you the cheapest life insurance rates of any type of policy. Term life insurance premiums are guaranteed for initial periods of time such as 10, 15, 20, or even 30 years.
  • Permanent Life Insurance  Permanent life insurance plans come in several different varieties including both universal life and whole life insurance. A popular permanent life insurance plan is called guaranteed universal life. GUL builds cash values, and both the premiums and death benefit remain the same for your entire lifetime.

Should you buy term or permanent life insurance?

For most people buying affordable term life insurance is the recommended choice compared to various forms of permanent life insurance. Not to mention, term life can eventually be converted into permanent lifetime coverage.

How much does life insurance cost? 

Two excellent reference articles to read are Life Insurance Rates By Age and  Life Insurance for Seniors. Here you will be able to compare the cost of various life insurance plans and learn the reasons why people need to consider life insurance at various stages in their life.

Here is a brief summary the basic features of the different types of life insurance:

  Indexed  UL
     Variable UL
Choice of duration  ✓ ✓ ✓
Builds cash value 
Flexible Premiums
Flexible Death Benfit
Cheap life insurance
Investing in cash values
Lifetime coverage  ✓ ✓ ✓ ✓

Introducing Eric Van Haaften

Affordable Life USA was started by Eric Van Haaften, after he graduated with a degree from Ferris State University in Business Management and Statistics.

Eric also participated in college athletics on the men’s varsity football team. Eric and his wife Mary live in Grand Rapids, Michigan.

affordable life insurance from Affordable Life USA

Our independent agency would love the opportunity to work with you on your life insurance planning.

We have streamlined the process of shopping for affordable life insurance and monitor a network of over 186 of the best life insurance companies in the USA.

Life Insurance Company Reviews

Affordable Life USA is a nationally licensed agency and represents many of the top rated life insurance companies in the United States.

When it comes to finding low cost life insurance in 2018, the most affordable life insurance plans can usually be found with companies such as: Prudential, Banner Life, American General, and Protective Life.

Here is a list of companies which offer the best combination of affordable life insurance rates and the highest ratings from the Better Business Bureau, AM Best, and J.D. Power.

We have also conducted detailed life insurance reviews of many these life insurance companies. Please feel free to learn more about any company by using our insurance company review links below:

AM Best
JD Power
AXA EquitableA+A+752
Banner LifeA+A+N/A
Guardian LifeA+A++760
John HancockA+A+739
Lincoln FinancialA+A+744
Mass MutualA+A++780
Mutual of OmahaA+A+766
Pacific LifeA+A+N/A
Principal FinancialA+A+774

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