Marketplace Insurance

Welcome to American Health Plans Life Insurance!

We understand that life is unpredictable, which is why we offer term life insurance policies that are designed to provide protection for a specified period. At American Health Plans, we prioritize your convenience and make it easy for you to get covered without any medical examination.

  • 5min Call
  • Simple Online Form
  • Instant Digital Card
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What is Life Insurance?

Life insurance is a type of financial protection that pays money to the people you choose when you pass away. They can use this money to pay for things like your funeral, bills you left behind, and other living expenses. In return for this protection, you pay money to the insurance company each month or year.

It’s a good idea to think about buying life insurance once you have people who depend on you for money, like your spouse, kids, or parents. If something unexpected were to happen to you, life insurance can give your loved ones financial security and help them pay for the things they need.

Whether or not you should get life insurance depends on things like your age, health, and money situation. It’s important to think about your own situation and talk to someone like a financial advisor or insurance agent to figure out if life insurance is right for you, and what kind of policy would be best.

We’re making insurance surprisingly painless

While the insurance marketplace is open for anyone to enroll, it can be a confusing and intimidating landscape to navigate. Moreover, the marketplace shifts every year due to government and policy changes.

From choosing the right coverage to dealing with subsidies and claims, it can be a headache if you don’t have an expert by your side.

Ready to get started?

It might sound overwhelming, but American Health Plans can find you the perfect plan and may have you insured within five minutes of speaking to an insurance agent.

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Why Choose American Health Plans Life Insurance?

  • No medical examination required – We understand that medical exams can be a hassle and time-consuming, which is why we offer policies that do not require a medical examination.
  • Term life insurance – We have a variety of policies that are designed to last for a certain period. This means that you can choose a policy that fits your needs and budget.
  • Affordable rates – We offer affordable life insurance policies that cater to people who are relatively healthy and do not require a medical examination.
  • MIB Check – We ensure that our clients have a medical background check before they are approved for a policy.
  • Simple process – Our application process is all over the phone, and there is no need for any other requirements. You will be insured in just minutes! 

We offer term life insurance policies that provide benefits anywhere from $5,000 to $200,000. You can choose two beneficiaries, and the policy will pay out the benefit amount if you pass away during the policy term. 

A Short Phone Call

Through a few simple questions over the phone, our insurance agents will find 80 to 100 plans that fit your requirements and budget.

The Ideal Plan For You

The intended use of your insurance, any prescriptions needed, or whether you see a family doctor or specialist are all determining factors when finding the ideal plan for you.

Instant Digital Card

Instead of waiting weeks for your card to arrive, you are immediately emailed your insurance card, brochures, and any other vital information related to your new insurance plan.

Your Own Insurance Agent

Our service does not stop once you are enrolled! You will continue to have access to your own insurance agent for any questions, issues, or claims.

Get a Free Life Insurance Quote Today!

At American Health Plans, we believe in making life insurance simple and accessible to everyone. Contact us today to get started on protecting your loved ones with a term life insurance policy that fits your needs and budget. 

Schedule a Call

* By providing your contact information above, you consent to be contacted by an independent agent of American Health Plans for the purpose of offering and selling insurance products to you. Such agent may contact you via an autodialer, pre-recorded messages, or email. Your consent to this communication is not a condition of the receipt of any goods or services.

This website is operated by American Health Plans and is not the Health Insurance Marketplace website at HealthCare.gov. This website does not display all Qualified Health Plans available through HealthCare.gov. To see all available Qualified Health Plan options, go to the Health Insurance Marketplace website at HealthCare.gov. Not intended for those eligible for Medicare. You need to be lawfully present in the United States and reside in the plan service area to qualify for medical coverage and/or subsidies. These policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued.

This is a solicitation of insurance. A licensed agent/producer may contact you. Coverage, products, and features may not be available in all states, may vary by state, and will vary by policy.  Rates may be higher due to tobacco use. Your rate and availability for this product will be subject to underwriting. Policies contain specific limitations, exclusions, termination provisions, and requirements for keeping them in force. Please see your policy or contact the insurance company for full details. Approval is based on your answers to the questions on the application and information obtained from other sources. All guarantees are based on the claims paying ability of the life insurance company.

When choosing a life product, make sure that life insurance needs are met long-term, especially if personal situations change — for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance, and long-term care coverage linked to life insurance through riders, has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs typically carry an additional charge. The payment of long-term care rider benefits, as an acceleration of the death benefit, will reduce both the death benefit and cash surrender values of the life policy. Additionally, policy loans and withdrawals will also reduce both the cash value and the death benefit. Care should be taken to make sure that life insurance needs continue to be met even if the rider pays out in full, or after money is taken from the life policy. There is no guarantee that a rider will cover the entire cost for all of the insured’s long-term care, as this may vary with the needs of each insured.

This is not a Long-Term Care policy.  This policy may not cover all of your medical or health care expenses.  This policy should not be purchased as a substitute for major medical coverage, Medicare, Medicare Supplement, or Medicare related health plans. Premiums may increase upon renewal.

This policy may not cover all costs associated with short term recovery care incurred by you during the period of care.  Increase in health care costs may reduce the value of this policy between the purchase date and the date you become eligible for benefits.

A premium is a monthly fee you pay to have medical insurance coverage. To decide your premium, insurance companies will consider: your age, where you live, whether you smoke or use tobacco and whether the coverage is for one person or a family. Premiums usually go up when the coverage is renewed to reflect your age and higher health care costs.

In California American Health Plans does business as JKAR Insurance Agency, License Number OH40207