Business Details
40 Years
experience
Trusted Insurance Services for Agents in McKinney, TX
Founded in 1986, American Life and Health Group (ALHG) has dedicated over three decades to empowering insurance agents across the United States. As a national insurance marketing company and wholly owned subsidiary of Globe Life Inc., we specialize in connecting agents with industry-leading life, health, and Medicare Supplement insurance products. Our mission is rooted in partnership: by equipping agents with comprehensive resources, tools, and support, we enable their success, which directly fuels ours. With a legacy of marketing Medicare Supplement insurance for over 35 years through premier carriers like United American Insurance Company and Globe Life entities, we combine deep expertise with innovative solutions such as our Reserve Fund Annuitya flexible product designed to help policyholders meet Medicare deductibles with guaranteed interest rates.Our commitment to accessibility and client-centricity is reflected in policies requiring no physical exams for certain coverage options and features like Terminal Illness Accelerated Benefit Riders. By prioritizing agent-friendly practices and maintaining long-standing relationships with carriers since Medicares inception, weve built a reputation as a trusted partner in the insurance industry.
Services
Life Insurance
Health Insurance
Medicare Supplement
Final Expense
Critical Illness
Cancer Insurance
Accidental Death
Juvenile Whole Life
Details
- Year established: 1986
Highlights and features
- We offer 35+ years of expertise in Medicare Supplement insurance marketing.
- Our agents gain access to premier carriers like Globe Life and United American Insurance Company.
- We provide a Reserve Fund Annuity with a guaranteed 3% interest rate for Medicare deductible support.
- Final expense policies require no physical exams and offer guaranteed lifetime coverage.
- Our partnership model prioritizes agent success through tailored resources and support.
Services
Medicare Supplement
Medicare Supplement insurance is our flagship product, designed to cover out-of-pocket costs for Medicare beneficiaries. Our carriers have offered these plans since Medicares inception, providing reliable coverage for deductibles and coinsurance. With over 35 years of experience, we partner with agents to deliver customizable plans that meet diverse client needs.
Reserve Fund Annuity
The Reserve Fund Annuity (RFA) helps policyholders save for Medicare expenses with a guaranteed 3% interest rate. Available with select ProCare plans, this flexible annuity allows penalty-free withdrawals and no fees, ensuring funds are accessible when needed most for deductibles or coinsurance amounts.
Final Expense
Final expense insurance offers permanent coverage with benefits ranging from $1,000 to $25,000. No physical exams are required, and policies include lifetime coverage, cash value accumulation, and a Terminal Illness Accelerated Benefit Rider in most states, providing financial security for end-of-life costs.
Critical Illness
Critical illness insurance pays a lump sum up to $50,000 upon diagnosis of conditions like heart attack or stroke. Available for ages 1864, this policy complements existing coverage and includes five health questions on the application in most states, ensuring accessible protection.
Juvenile Whole Life
Juvenile Whole Life insurance secures childrens financial futures with coverage from $1,000 to $25,000. No health exams are required, and policies are available for ages 018 at competitive rates, making it an affordable option for long-term protection.
Questions
What insurance products does American Life and Health Group offer?
We provide life insurance, health insurance, Medicare Supplement plans, final expense coverage, critical illness policies, cancer insurance, accidental death benefits, and juvenile whole life insurance.
How does ALHG support insurance agents?
We offer agents tools, resources, training, and partnerships with established carriers to help them market policies like Medicare Supplement and Reserve Fund Annuities effectively.
Are physical exams required for ALHG policies?
No physical exams are required for final expense insurance, and many policies use simplified underwriting with minimal health questions.
What is the Reserve Fund Annuity?
This flexible annuity from United American Insurance Company helps policyholders cover Medicare deductibles with a guaranteed 3% interest rate and no withdrawal penalties.
How can I become an ALHG insurance agent?
Visit our website to submit an application and connect with our team for details on joining our network of supported agents.
Where is American Life and Health Group based?
Our headquarters are located in McKinney, Texas, and we support agents nationwide.
