Affordable Life Insurance

life insurance cost savings Save on Life Insurance


save on life insuranceFinding you inexpensive life insurance comparisons is our primary goal. Learn how our independent agency can help you save time and money when comparing life insurance.


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

 Business Owners


learn about business life insurance

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


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Protect your Estate


Estate Planning with Life InsuranceDo you have estate tax or estate liquidity problem? Learn how wealthy families can leverage life insurance premiums to preserve and maximize their estates for future generations.


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.

You can easily compare life insurance quotes from over 100 insurance companies using our consumer friendly website.

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

Simply fill out our quick online quote form to instantly see how affordable life insurance rates can be for your family.

affordable life insurance quote

When it comes to finding low cost life insurance in 2017, the most affordable life insurance policies can usually be found with companies such as: Prudential, Banner Life, American General, and Protective Life.

If you are interested in learning more about your online quotes, we are here to help!

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 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:

  • Term Life Insurance A term life insurance policy 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 comes in several different varieties including both universal life and whole life insurance. A popular permanent choice is called guaranteed universal life which builds a cash value along with level premiums and a death benefit which can be guaranteed 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 Affordable Life Insurance for Seniors. Here you will be able to compare life insurance plans and learn the reasons why people need to consider term life insurance at various stages in their life.

Here is a brief summary of some of the basic features between the different types of life insurance.

FeatureTerm lifeWhole lifeUniversal lifeIndexed Universal LifeVariable Universal Life
Choices in policy duration  ✓ ✓ ✓
Builds cash value 
Premiums can be flexible  
Death benefit can be flexible  
Inexpensive life insurance
Cash value has investments    
 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.

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 America’s top life insurance companies.


Insurance Company Reviews

Affordable Life USA  is an independent and nationally licensed life insurance agency. We represent most of top-rated life insurance companies in the industry.

Here is a list of our companies which offer affordable life insurance and also offer 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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