Protecting The Ones You Love Made Simple And Easy

Get set up in minutes to start protecting the ones you love.

Starting at under $10 a month.*

*$50,000 / 10-year term policy for a healthy 21-year-old non-smoking male

US Alliance Life Insurance

Explaining Life Insurance

Life insurance can help you protect your loved ones

The lump sum payment of a life insurance policy can ensure your loved ones can maintain the lifestyle you have built for them.

Maintain your family’s standard of living

Provide the money needed to pay off your mortgage, replace income, or keep alive your dream of funding education for your kids.

Use life insurance benefits while you are living

Our whole life insurance policies build cash value that can be used while you are still living.

Get answers to your questions in minutes!

Contact Our Team

US Alliance Life Insurance

(*Quote based on a healthy 35-year-old female, non-smoker, for a 30-year term life insurance policy.)

Simple And Affordable


With our simple, fast, and easy application process, you can protect your family in minutes.

  • For about $25* per month, you can get your family $250,000 in life insurance coverage.


  • That $250,000 can be used to pay off home loans, debts, child care, living expenses, or anything else your loved ones need.

Life Insurance Coverages At A Glance

Whether you’re looking for the affordability of term insurance, the lifelong protection and cash value of permanent insurance, or a combination of both, we have options to fit your needs and your budget. You decide what coverage is right for you. We can help. Learn how.

Term Life Insurance

Provides coverage for a set length of time if premiums are paid.

Provides a lump sum death benefit.

Most affordable form of life insurance.

Premiums locked in for length of term.

More About USAlliance Term Life Insurance

Term life insurance provides coverage for a certain period of time to help financially protect the people you love. You choose the length of the term when you buy the policy. USAlliance offers terms of 10, 15, 20, 25, and 30 years. With our policies, the death benefit and the premium stay the same throughout the term. If you have a term policy and die within the term, your beneficiaries receive a payout that is tax free under current law.

Whole Life Insurance

Provides lifetime coverage if premiums are paid. 

Cash value accumulates and creates an asset that can be used during your lifetime.

Level premiums.

Pay premiums for only 10 years or 20 years.

About USAlliance Whole Life Insurance

USAlliance gives you the ability to keep coverage and only pay premiums for 10 or 20 years. The premium never increases or changes. The full benefit is available at the time of issue and will be there as long as payments are made. Once the payments are done, the coverage is there for the rest of your lifetime and does not expire.

Children’s Life Insurance

Children’s life insurance isn’t just another financial product – it is an investment in your children’s or grandchildren’s future. As parents and grandparents, we often focus on providing love, food, shelter and security to our children. We do everything in our power to build a brighter future so they can become anything they want to be. A life insurance policy is a terrific gift that can give your child a financial head start in your child’s or grandchild’s journey through life. We can help. Learn how.

Family Life Insurance

Life Insurance Frequently Asked Questions

What is life insurance?

An easy, affordable and dependable way to help financially protect the people you love. You make payments to USAlliance and if you were to pass away, your loved ones would receive a lump sum payment from USAlliance for the face amount of your policy.

How much life insurance can I get?

We offer policies to fit your specific needs. Whether it is $10,000 of coverage or over $10,000,000, you get what you need to protect your family.

Do I need life insurance?

Having someone depend on you for income, getting married, having a baby, or having debt are just a few reasons you may need life insurance. Even if you are single, you can lock in low rates now while you advance through your life’s journey. One never knows when a health condition might arise that will make your rate skyrocket or be classified as uninsurable. This means you will not be able to get life insurance coverage at any price.

How much coverage do I need?

You certainly want enough to pay off any debts you have, such as a mortgage, and have enough so your loved ones can maintain their lifestyle.

If I already have coverage though work, can I get additional coverage?

You can still get additional coverage with USAlliance. It is smart to have your own policy.

How long does it take to get approved for life insurance?

The application process is very simple and only takes a few minutes to complete. Once submitted, if no medical exam is required, an application is processed and completed within a few days. If a medical exam is required, an application typically is approved a few days after you complete the medical exam.

What happens after I apply for life insurance?

Our team of underwriters reviews the application and evaluates your information. If a medical exam is needed, we will work with you to get it scheduled.

Do I need a medical exam to get life insurance?

No! We are able to offer life insurance without a medical exam up to $250,000. For higher coverages, a medical exam will be required.

Do I have to pay for the medical exam?

No, we cover the costs of the medical exam.

Are life insurance death benefits taxed?

Generally, life insurance benefits are not taxed under current law.

I prefer to meet in person when making financial decisions. Is that something you offer?

Absolutely! We will meet with you in person at your home, business, or a place of your choosing. You can give us a call at 1-866-953-4675 or email us at [email protected] to set an appointment.

Your Next Steps

1. Get a quote

This is a great time to get an idea of how much coverage will cost (spoiler alert: it’s probably more affordable than you think). Our team is ready to help.

2. Apply in minutes

After you receive your quote, we are ready to help. Our team will ask you some very simple questions to complete your application. Our goal is to provide you with as much support as you want.

3. Start your coverage

That’s it. You’re done. You can celebrate and focus on your life’s priorities knowing that you are covered and have a direct line to your team. At USAlliance, we strive to be there to help you through the process of getting the coverage you need and your family deserves.  

Designed for tomorrow. Available today.

USAlliance life insurance, starting at less than $10/mo.

We can help. Learn how.

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