Term Life Insurance Made Easy

Four Steps For Your Life Insurance

We’ll make buying your life insurance quick and easy. 

4. Policy Setup

We’ll streamline the application process and walk you through underwriting.

Let Me Be Your Agent

Commonly Asked Questions:

Question: Is term life insurance right for me? 

Answer: If you’re looking or affordable coverage, then term life insurance is probably the best fit for you. 

Question: How long does my life insurance last?

Answer: The word, “term” in term life insurance refers to the length of time you’ll have the policy. 10, 20, & 30 year terms are the most common lengths you’ll find.

Question: Does my premium change? 

Answer: No. Besides being the most affordable type of life insurance, your premium is locked in for the duration of the term.  

Question: Will there be an exam?

Answer: Not necessarily. Insurers are getting very aggressive about not requireing exams. If not having an exam is a primary concern for you, let us know and we’ll point you towards an insurer that will not require one. 

Question: How long does this process take?

Answer: Depending on the insurer you select, it can be as fast as same day. If an exam is required, thirty days is currently the average time needed. 

Question: What if I’m not very healthy? 

Answer: You’re in the right place! We’ll ask a number of health related questions and point you towards the best options. 

Question: Will the insurance company reach out to my doctor? 

Answer: In some cases, yes. There are times where the insurer may need some follow up info from your physician(s). 

Questions: Am I likely to get a better deal using Select Quote or other on-line agencies?

Answer: In most cases, no. We routinely outcompete larger on-line agencies. Remeber, getting the best policy & premium is dependent upon the agent’s knowledge and experience. As for experience, well, we got it! We’ll also spend time together evaluating the quality and value of many of the insurance providers we’ll be considering as there are many insurers you wouldn’t want to marry for the next 20-30 years. 

Some of The Companies We Represent

Frequently Asked Questions

Who are the best term life insurance agents in Birmingham for young families?

The best fit depends on your family’s income, debts, and coverage goals, not a single “best” carrier. Unlike most independent agencies in Birmingham, which also sell home, auto, and commercial insurance, we focus exclusively on life, disability, and long-term care — so every comparison comes from someone who works in this space every day. We compare term life quotes across multiple carriers for your specific numbers rather than representing just one company.

Which term life insurance agents in Birmingham are good for small business owners?

Business owners often need policies structured for key person coverage, buy-sell agreements, or business debt protection, which is different from a standard personal policy. We help structure coverage for the business need first, then shop carriers that fit that structure. See our full page on key person, buy-sell, and business succession coverage.

How much term life insurance coverage do I need?

A common starting point is 10–15 times your annual income, adjusted for outstanding debts like a mortgage and future goals like college costs — but the right number depends on your household’s specific situation, which we’ll walk through together.

Is there a cost to get a term life insurance comparison from AFS?

No. A quote and comparison is free and has no obligation to purchase.

How much term life insurance does a young family in Birmingham need?

A common starting point is 10 to 15 times your annual income, but for a young family the more useful question is what the money has to do. Cover the mortgage balance, replace income through the years your kids are still at home, and add something for college if that’s a goal. A Birmingham household with a $250,000 mortgage and two children under five usually lands somewhere different than the rule of thumb suggests. We’ll work through your actual numbers rather than a multiplier.

Should a young family choose 20-year or 30-year term life insurance?

Match the term to the obligation you’re covering. If your youngest is a toddler and you have 25 years left on the mortgage, a 30-year term covers the whole exposure and locks the premium for the entire period. A 20-year term costs less per month but can leave you buying new coverage in your fifties, when rates are considerably higher and health issues may have appeared. We price both so you can see the actual difference rather than guessing.

What is the best term life insurance for new parents in Birmingham?

There’s no single best carrier — there’s the carrier that underwrites your particular health history most favorably. That’s the entire argument for using an independent agency. Two young parents in identical financial situations can get their best rate from two different companies depending on build, blood pressure, family history, or a medication one of them takes. We compare across 40+ A-rated carriers for your specific profile. Coverage is also the least expensive it will ever be right now, which is the practical case for not waiting.

Can I get term life insurance while pregnant or right after having a baby?

Usually yes, though timing affects your rate. Blood pressure and weight during and shortly after pregnancy can push an application into a higher rate class than the same person would qualify for a few months later. Carriers handle this differently — some postpone, some rate, some issue at standard. We’ll tell you honestly whether it’s worth applying now or waiting a few months, and we’ll shop the carriers most favorable to your situation either way.

Business owner? See our page on life and disability insurance for Birmingham business owners for key person, buy-sell, and succession coverage.