TRUSTED BY AGENTS.
CHOSEN BY CLIENTS.
Life can be unpredictable — but your clients can still plan ahead.
With American Home Life’s Patriot Series Final Expense, you’re offering more than just a policy. You’re giving families a simple, affordable way to ease the financial stress that comes with end-of-life costs.
This whole life product is built specifically for final expense needs from funeral costs to medical bills without the complexity or high premiums. It’s protection that helps loved ones focus on healing, not finances.
Whether your client is looking for peace of mind or wants to leave a legacy of preparedness, the Patriot Series helps you deliver real value when it matters most.
How can Patriot Series Final Expense Help Your Clients?
Out-of-Pocket Medical Bills
Even with Medicare or private insurance, many seniors can encounter significant out-of-pocket healthcare costs in their final years, creating a serious financial burden for their households.
Legal and Accounting Costs
Probate and associated accounting fees can come as an unexpected burden for families. The length and cost of probate vary by state, and the process itself can stretch on for months or even years before assets are fully settled.
Funeral and Burial Expenses
Funerals often rank among a family’s biggest expenses. Although cremation is commonly seen as a cheaper alternative, it typically costs just 28% less than a traditional funeral, offering only modest savings.
Patriot Series Final Expense Insurance Features
Certain types of life insurance require a medical exam, but not a burial insurance policy. Unless your client has a serious pre-existing medical condition, they'll likely be able to get coverage.
No medical exam
Final expense insurance offers competitive, fixed premiums that do not change over time.
Highly Competitive Rates
They get to choose if they want to pay their premium monthly or annually.
Next-Level Signature Choices
The application process is quick and easy, and coverage can be issued in days, sometimes even on the day they apply. Once they've been approved, their coverage starts immediately.
Competitive Underwriting
Your clients policy never expires so long as their premiums are paid.
Flexible Payment Options
Final expense policies can build cash value over time. Once the cash value of their policy is high enough, they can withdraw cash from it, use it to borrow money, or even pay their premiums.
No Interview, Instant Results.
Finding The Best Plan For Your Client
There are 4 final expense life insurance plans offered by American Home Life. After applying, your clients will be offered the best value to ensure we meet your client needs.
Super Preferred Level Plan
Full face value from policy issue if death is due to an accident or natural causes.
Accidental death
Full benefit immediately
Non-accidental death
All policy years = full benefit
Level Benefit Amounts
Issue Age* | Min. Death Benefit | Max. Death Benefit** |
40-55 | $2,500 | $50,000 |
56-65 | $2,500 | $40,000 |
66-75 | $2,500 | $30,000 |
76-89 | $2,500 | $25,000 |
Preferred Level, Standard Level and Modified Plan
Full face value immediately from policy issue date if death is due to an accident.
Accidental death
Full benefit immediately
Non-accidental death
Policy years 1 and 2 = 110% of earned premium
Policy year 3 = full benefit
Preferred & Standard Level Benefit Amounts
Issue Age* | Min. Death Benefit | Max. Death Benefit** |
40-55 | $2,500 | $50,000 |
56-65 | $2,500 | $40,000 |
66-75 | $2,500 | $30,000 |
76-89 | $2,500 | $25,000 |
Modified Benefit
Issue Age* | Min. Death Benefit | Max. Death Benefit** |
40-75 | $2,500 | $25,000 |
These table provides details on the level and modified plans.
*Age as of last birthday.
**Maximum benefit amount varies according to the age of the applicant at the time of policy issue.
Add additional policy riders and feel the true power of the Patriot Series
(available for Level Plan only)
Accelerated Death Benefit Rider
This rider pays up to 50% of the death benefit (less policy loan) if a physician provides written certification that the insured meets the definition for a qualifying event, which is a medical condition that results in a terminal, chronic or critical illness with a life expectancy of 12 months or less.
Accidental Death Benefits Rider
This rider pays 100% of the base policy’s face amount for accidental death for issues ages 40 through 70.
Children’s Term Insurance Rider
This rider provides coverage through age 25 at the time of policy issue for a child, stepchild, legally adopted child, grandchild, legally adopted grandchild, or great-grandchild. This benefit is available in $2,500 units up to a maximum of $10,000 per child.
How much coverage should your client buy?
To help you decide how much Final Expense insurance coverage is right for your client, use the four steps below:
Household expense
Total their average monthly bills (utilities, car expenses, food, insurance, etc.) and multiply it by three. This will give them an idea of how much their family needs for three months.
Example: Household expenses =
$400/month $400 x 3 = $1,200
Debt
How much debt do they have? Consider these debts: mortgage, credit card balances, auto loans, etc. Total the monthly amount and the multiply it by three.
Example: Total debt payments =
$1,800/month $1,800 x 3 = $5,400
Funeral costs
Funeral costs vary based on the type of services selected, including burial or cremation, casket or urn choice, and any additional arrangements like viewings or ceremonies. Each decision influences the final price, making costs flexible and dependent on preference.
Subtotal
Add the totals of Steps 1-3 to figure out the minimum amount of coverage they’ll need. This would cover their funeral, as well as three months of household expenses and debt payments.
Example: $1,200 + $5,400 + $7,600 = $14,200
Other expenses to consider:
The cost of a funeral, burial, cremation or other ceremony
Student loans or tuition fees for children and/or grandchildren
Milestone family commitments
Medical expenses
Common questions about Patriot Series Final Expense
What are the new business submission methods?
Agents are encouraged to use AHL’s Quote and Enroll eApplication platform, but may also take paper enrollments. Paper applications must be faxed or mailed for handling.
What payment methods does AHL accept for new business?
Applicants may pay their premium by ACH or check.
When issuing a policy, does AHL go by the applicant’s resident state, or the state where the application is signed?
American Home Life goes by the applicant’s resident state.
Is there an application fee?
There is an annual policy fee of $36 for Final Expense plans. The application and/or policy fees are non-commissionable.
How do agents track their business?
Agents may use the Enrollment Tracker with the American Home Life Agent Portal to track their book of business.
Why American Home Life Insurance Company?
The American Home Life was founded in 1909 in Topeka, Kansas. Throughout the last 110+ years, our mutual corporate structure, conservative investment philosophy, and Midwestern value-oriented culture have enabled us to grow and prosper through multiple world wars, pandemics, and recessions all while fulfilling our obligations to our policyholders, agents, and employees.
Strength
Our financial strength and overall practices are rated “Secure” by the most recognized insurance rating organization.
Protection
Your clients protection is important to our professional staff, who will be there when they need them the most.
Security
Security and peace of mind for your clients family is one of the best gifts you can give your client.
Service
Our founders understood that our commitment to our policyholders is one of trust and to deliver at the time of need.