American Home Life Insurance Company Review: No Exam Approvals

American Home Life Insurance Company Review

Written by Kim Wilhelm

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Last Updated 14 Jun 2024

American Home Life Insurance Company has been around for a long time, over 100 years. When it was founded in 1909, it was called Kansas Home Mutual Life Insurance Company. Three years later, the company merged with American Mutual Life Insurance Company, becoming AHL. 

Midwestern companies like AHL have deeply rooted values shared by God fearing Americans like yourself. If you are worried about how your family will pay for your funeral and other expenses when you’re called home to the good Lord, we hope you consider what American Home Life offers.

At Final Expense Direct, we work with life insurers all over the country to find the best final expense plans for seniors. We chose to partner with American Home Life because of their competitive pricing and generous coverage and death benefit guidelines for seniors with serious health issues.

Though the company is headquartered in Kansas, it offers life insurance policies nationwide. Here’s what you need to know about American Home Life’s final expense life insurance policy for seniors.

American Home Life Insurance Company Final Expense Insurance

Final expense insurance is a small whole life policy for seniors. You can use it for anything, but most seniors use it to pay for end-of-life bills and funeral expenses. These policies offer lifetime coverage with locked-in premiums and death benefit coverage. They also build cash value, which you can use while you’re alive, similar to a savings account.

American Home Life Insurance Company Review

American Home Life Insurance Company Burial Insurance

When the inevitable happens and you’re called home to the good Lord, do you have an idea of what your burial will look like? Do you want a simple ceremony without the bells and whistles, or one last grand hurrah as your final send off?

Whichever you choose, cost can be a concern. The more pomp and circumstance you want, the greater the price tag. If your family can’t afford to give you the final send off you prefer, having a final expense burial insurance policy can make it affordable.

American Home Life Insurance Company Funeral Insurance

The median price for a basic funeral with burial and viewing is almost $9,000. The more you want, like a marble grave marker or prime cemetery plot, the more it will cost you. Nice funerals for a memorable final send off can cost upwards of $11,000 or more. 

If you die without life insurance or money set aside to pay for your last wishes, it leaves your family scrambling to come up with the money. And if they can’t, then the funeral you planned for won’t be able to happen. Making your wishes clear while you’re still alive and buying final expense funeral insurance can ensure the death benefit is used the way you want and you have enough coverage to make it happen.

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final expense

Final Expense Life Insurance Quote Online

American Home Life Insurance Company Life Insurance For Seniors

Many seniors with serious health issues believe they can’t get approved for life insurance. They think they’ve missed their chance, so why bother even applying? If you’re that senior, we’re glad you’re here.

American Home Life Insurance Company works with seniors like you to get you the coverage you need at a price you can afford. Seniors between the ages of 50 and 85 can apply for up to $35,000 in final expense life insurance with AHL. 

American Home Life Insurance Company Senior Life Insurance

The senior life insurance policy offered by American Home Life is a simplified issue final expense plan. This means while you don’t have to take a medical exam or physical, you will have to answer a few health questions to qualify.

But don’t worry, American Home Life has competitive pricing for seniors with serious health conditions. Though two or more major pre-existing conditions will get you declined, if you have just one of the following, you get an immediate death benefit:

  • Diabetes
  • Neuropathy
  • Seizures 
  • Bipolar
  • Schizophrenia
  • PTSD
  • Mental health with medication
  • Pacemaker
  • Arrhythmia

An immediate death benefit means there’s no waiting period. Once the policy is in place, your beneficiary gets the full death benefit, even if you die in the first month. With these types of health conditions, it’s challenging to get approved with a graded or modified death benefit, much less an immediate death benefit.

If you’re very (obese or larger) or a smoker, we don’t recommend American Home Life. We have better options available for you at Final Expense Direct. Just give our agents a call to discuss your health issues and they’ll help you find the right company with the best rates.

With congestive heart failure, you’ll be approved, but with a modified death benefit. This is better than a graded death benefit, which only returns the premiums plus some interest and is usually what you’ll get with other companies. With American Home Life, the modified death benefit offers 25% of the death benefit if you die in the first year and 50% if you die in the second. The full death benefit becomes available in the third year of the policy. 

aaa whole life insurance

American Home Life Insurance Company Life Insurance Costs

Now, let’s talk about final expense life insurance costs with American Home Life Insurance Company. Because your health is used to determine how much you pay, these rates may not be exactly what you’ll pay with AHL. But they can give you an idea of what it will cost with American Home Life.

For a $10,000 final expense policy, a 50-year-old man would pay around $44 a month. A 50-year-old woman would pay less, around $36 per month. This is because women have a longer life expectancy and are less risky overall to insure than men.

American Home Life Insurance Company Review

For not much more, a 60-year-old man would get covered for about $56 per month. A female of the same age would get covered for $46 per month. Once you hit 70, expect to pay around $86 monthly as a male and $68 as a female. 

Related Reading: What's the difference between Senior Legacy and Senior Legacy Life?

If you’re interested in getting a quote with American Home Life Insurance Company or any of the other final expense companies we work with, call us today at Final Expense Direct. As an independent agency broker, we work with many companies so we can help you get the best rates for final expense life insurance, no matter your health. 

Many of our plans don’t require any health questions or a medical exam, so acceptance is guaranteed. And we get most of our customers approved and insured in just one phone call, which most companies can’t say.

  • Immediate Approval Over the Phone Today!
  • Speak to a Live Agent 
  • Just a Few Health Questions 


American Home Life Insurance Company is a great choice for final expense life insurance if you’re a senior with a serious health issue. While most companies will deny you or offer a graded death benefit, AHL will probably approve you with an immediate death benefit, or modified, depending on your health history. At Final Expense Direct, our goal is to offer you and your family peace of mind so you can focus on spending your golden years doing the things that matter the most to you.


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