Final Expense Insurance

American Home Life Burial Insurance Review

American Home Life Burial Insurance Review

If you just want quotes to find which company is cheapest, please fill out the quote form. You will see a list of rates from many different burial insurance companies on the next screen. if you deal with some major health issues now or in the past, it’s best to call us to get an accurate quote. You can call us toll free at 1-800-644-2926.

Have you read one of our burial insurance company reviews before? If not, welcome to the home of the most comprehensive burial insurance reviews on the web. In this American Home Life Burial Insurance Review, we will beAmerican Home Life Burial Insurance Review taking a detailed look at their entire burial insurance program. If you are doing your homework on this company, look no further. At the same time, make sure you read our list of best final expenses life insurance companies to see which ones made our top 10.

At Choice Mutual, we aim to give you a complete insider’s look at different burial insurance programs. Whenever we analyze a final expense company, we leave nothing out. Take a look at burial insurance reviews by other website. Now, compare them to ours. You will see the difference a commitment to excellence makes. You will first see a quick review that does not go into great detail. Essentially, the quick review is our basic opinion about the company and their final expense insurance program. On the other hand, you will find a very exhaustive analysis of their program if you keep reading. The full review will outline every aspect of their burial insurance plans. We leave nothing out in the full review.


Our Quick American Home Life Burial Insurance Review

American Home Life has been in business for a very long time. In addition, they have high ratings and a strong balance sheet. These facts combined with competitive underwriting for certain health issues translates into a solid burial insurance program. In total, they have two different burial insurance plans depending on your health.

First of all, their Graded plan will not be your best option considering what other companies offer. Uniquely, it does offer some immediate coverage in spite of accepting some serious health issues. However, this fact alone is not reason enough to take their graded plan. If your health is such that you would qualify for this plan, you should look at other companies altogether. We know of others that would give you a better deal.

Their Level death benefit plan is very strong in certain situations. If you are healthy, you can find cheaper coverage elsewhere. However, for the health conditions we point out in the full review, this plan is quite good. For example, if you have Parkinson’s disease, Systemic Lupus, or Diabetic Neuropathy, you should really take a look at this company.

All things considered, they are not the cheapest company by any means. If you are very healthy, we know of other companies that will give you a better deal. However American Home Life does indeed have a few health niches where they are one of the best on the market. Please note, don’t bother applying with them if you inject insulin or you have had heart AND diabetes issues. They will not accept you if you do.


Company Background

American Home Life was originally founded back in 1909. They are headquartered in Topeka Kansas, and licensed in most of the 50 states. American Home Life prides itself as a western values company. For instance, their employees must exude honesty, integrity, and courtesy at all times. This is quite noticeable if you happen to call their customer service line.

Any good American Home Life Burial Insurance Review will include a financial analysis. With that, A.M. Best currently has given them a “Stable Outlook”. Their investment managers take a rather conservative approach in regards to their investment strategy. They prioritize ongoing, long term financial solvency. Moreover, this goal take precedence above all other objectives. For this reason, they will be able to truly fulfill their financial obligations indefinitely.

American Home Life actually offers many types of life insurance other than burial insurance. Quite frankly, this is the case with nearly every insurer. Having said that, this article will only be discussing their burial insurance program.


The Full American Home Life Review

Since you are now in the section of the full review, you are about to take a journey down detail highway. This full review is no joke. We have literally lined out everything possible about their different burial insurance plans. From underwriting to policy options and everything in between, there is nothing we didn’t cover. Additionally, we let you know our professional opinion about each plan to help you diagnose what may or may not be best for you.


American Home Life’s “Guidestar Plan”

Choice Mutual Grade = B

Quick facts about these plans

  • Coverage never expires
  • 2 plans available- 1 with a full immediate death benefit
  • The monthly premium cannot increase
  • The benefit will not decrease

Guidestar is the formal name of American Home Life’s burial insurance program. It’s very common for life insurance companies to develop labels for each of their insurance products. Their Guidestar final expense is available in most of the USA.


Policy details

American Home Life’s final expense insurance is a true permanent whole life policy. Therefore, it will not expire at any age. You can count it to always be there for you and your family. Another great feature with a whole life policy, is the fixed monthly payment. Your monthly payment cannot increase for any reason. Lastly, the benefits on a whole life policy cannot decrease. In short, their burial insurance will always be there, and it will never change. There’s no fine print or hidden provisions that you need to be leery of.


Two plans available

In total, there are two different Guidestar plans. Your health will decide which plan you qualify for, if any. First, they have their full immediate death benefit plan. This one carries the lowest monthly price. On the other hand, their second burial insurance plan is their graded plan. This one is for those who have some relatively serious health conditions.

Their graded plan does pay some benefits during the first two years of the policy. Albeit, it’s not full immediate protection. At least there is some coverage in effect on day one.


They go by your Nearest age

American Home Life determines your application age based how close to your last birthday. Unfortunately for American Home Life, this is an extremely uncommon practice in the final expense business.

Here is how it works. Let’s say for example that you are currently 60. Let’s also say that your next birthday is less than 6 months away. Because you are close to 61 than you are to 60, American Home Life will consider you 61. However, if your next birthday is more than 6 months away, American Home Life will consider you 60.

This is one area where they lack. For instance, most burial insurance plans allow you retain your current age as long as you start your plan before you next birthday. Most companies will view you as your current age up the the very day before you next birthday.

At the end of the day, it all boils down to cost. All life insurance is cheaper when you are younger. If you are less than 6 months out from your next birthday, American Home Life may not be your best option.


Two free riders included

Both Guidestar plans come with some additional rider protection. You must be 75 or younger, and they do not cost any additional premium.


Terminal Illness Rider

This rider allows you to claim 100% of your death benefit before you pass away. However, there is a modest administrative fee to exercise this rider. To qualify for this rider, you must be diagnosed with a non-correctable medical condition that will result in death within 12-24 months. American Home Life will request a doctor’s note as proof of the diagnosed condition.

Nursing Home Rider

This rider is basically the same as the terminal illness rider. As such, this rider allows you to access 100% of your death benefit while living. However, there is also a modest administrative fee to exercise this rider. To qualify for this rider, you must permanently and continuously placed in a nursing home for health reasons. American Home Life will request a doctor’s note as proof of the diagnosed condition. Unfortunately, this rider is not available in Florida.


Qualifying for their burial insurance

Like most final expense companies, American Home Life will appraise your overall health in many ways. There are four distinct elements they will consider. First, they ask you the health questions. Second, they analyze your prescription history and MIB file. Lastly, they reference their build chart.

In addition to collecting the above information, they may also want to know the name of your current physician. Whether or not they do this depends on your age. If you are under 68, you do not need to list a doctor on the application. However, if you are 68 or older, you must list a doctor or clinic on the application.

Insider Tip: A build chart is an insurance company’s height to weight ratio chart. Most every burial insurance company will have a build chart. In essence, they have weight limits for each height. It’s extremely uncommon for an insurance company to have no build chart. This is one of the few companies we are aware of the has no build chart. They will accept you regardless of your height and weight.

burial insurance with No physical or medical exam

There is no burial insurance (that’s truly burial insurance) that ever requires you to take a physical or medical exam. Equally, the same is true with American Home Life. Nobody will ever have to come to your home, and you will never have to see a doctor or paramedic.

American Home Life utilizes a point of sale interview as part of their application process. In other words, you and your agent will complete a short three way phone call with American Home Life. On this call, they will ask you all the health questions. Furthermore, they will obtain your authorization that allows them to access your MIB file and prescription history.

This usually gives them all the information they need to complete their risk analysis. Very often they will give you a firm underwriting decision by the end of the phone call. However, it is possible for them to refer the application to underwriting for review.

The first step you must complete to qualify for burial insurance is the health questionnaire. Below you will find the knockout questions for American Home Life’s burial insurance. If you say yes to any of these conditions, you will be flat out declined altogether. Furthermore, if you have a prescription history that suggests you have any of these conditions, you will very likely be declined.


Here are the knockout questions:

  1. Are you hospitalized, bedridden or confined to a nursing home, hospice or long-term care facility?
  2. Have you been diagnosed by or received treatment from a medical professional for any of the following:
    • A medical condition that, with reasonable medical certainty, will result in death within 12 months, ALS, Alzheimer’s, dementia or metastatic cancer?
    • Diabetes accompanied by heart disease (excluding hypertension), kidney disease, peripheral arterial disease (PAD, poor circulation), Transient Ischemic Attack (TIA) or stroke?
    • Cirrhosis or liver failure?
    • Kidney failure requiring dialysis?
    • Used or been advised to use oxygen to assist breathing?
    • Leukemia or organ transplant?
    • Coronary artery disease (CAD) accompanied by (1) congestive heart failure or (2) cardiomyopathy?
    • Implantation of a defibrillator?
  3. To the best of your knowledge, have you been diagnosed or treated by a medical professional for an immune deficiency disorder, HIV, AIDS, or AIDS related complex (ARC), or tested positive on an AIDS related blood test?
  4. Have you, within the past 12 months, been advised by a medical professional to have a diagnostic test (excludes HIV or AIDS related tests), surgery, dialysis, home health care, nursing home, hospice or long-term care facility confinement or hospitalization which has not yet been started, completed or for which results are not known?
  5. In the last 36 months, have you been convicted of a felony or of operating a vehicle while intoxicated or impaired or are you presently on probation or parole?

don’t fret if you say yes to any of those questions

First of all, American Home Life is just one company out of dozens. If for some reason they won’t accept you, there is probably another company that will. In particular, American Home Life has some knockout conditions that are freely accepted by other final expense plans. Take a look at the list below. All of these conditions are knockouts with American Home Life. Whereas, we know of other final expense companies that absolutely accept these circumstances.

  • Diabetes in combination with heart disease, kidney disease, TIA attack, or stroke
  • Cirrhosis or Live failure
  • Implantation of a defibrillator
  • Had a felony, DUI, or parole issues within the last 3 years.


Only an independent agency can serve you this way

This scenario is precisely why we will always be an independent final expense agency. Because we are not married to any one company, we can always do what is best for you. Honestly, we could care less which company we put you with. If American Home Life is a bad option for you, we don’t even care. Similarly, neither should you! There are many other highly rated burial insurance companies available to you. In the end, you, like most people, probably just want to get the best burial insurance plan possible from whatever company it happens to be.

Pro Tip: If you are having trouble identifying which burial insurance company is best for you, don’t be alarmed. Honestly, there are dozens of companies out there to choose from. Without being in the business, it would be incredibly difficult to truly know which one is best for you. If you would like to make this a lot easier on yourself, please let us help you. We will absolutely help you find and secure the best burial insurance plan possible. In the long run, you will save time and money by working with us. Please call us, so we can help. Of course, you can fill out the quote form too, and let us call you.

Guaranteed Issue if necessary

If you truly have a knockout condition that is not accepted by any final expense company, there are still options. In that case, we would take advantage of a guaranteed issue burial insurance plan by Gerber Life. Again, we will probably only do this if we can’t find you a company that freely accepts all your health conditions. However, if that is the case, Gerber is there for this particular reason.

In short, Gerber issues the policy no matter what. They do not ask a single health question, and they do not look at your medical history. With this in mind, they do impose a two year waiting period. Also, the premiums on a guaranteed issue policy are certainly higher. A burial insurance plan that has underwriting will almost always be cheaper. Thus, we would really try to find you a plan that has underwriting to save you money and get you an immediate benefit.

In conclusion, no matter how many health issues you have, we can help you. When you deal with Choice Mutual, there is no such thing as uninsurable.

American Home Life Burial Insurance Review


American Home Life’s “Graded Death benefit”

Choice Mutual Grade = D

Quick facts about this plan

  • Coverage never expires
  • Some immediate protection (no full)
  • The monthly premium cannot increase
  • The benefit will not decrease

For starters, you must have none of the knockout questions to even be eligible for this plan. Below you will see the graded health questions. If you have any of these conditions, you will be approved accordingly.

Here are the graded health questions:

  1. Do you have diabetes diagnosed by a medical professional (a) with duration of 20 years or more, or (b) requiring insulin, or (c) diagnosed at any age and that is not controlled?
  2. Do you need ongoing assistance with activities of daily living (help with eating, bathing, dressing, transferring, use of the toilet or the taking of medications) either provided by a family member or third party?
  3. In the last 24 months have you been diagnosed by or received treatment from a medical professional for any of the following:
    • Heart disease (excluding hypertension) or any procedure to improve circulation to the heart including
    • Coronary artery bypass or stents?
    • Stroke or Transient Ischemic Attack (TIA) or a procedure to improve circulation to the brain?
    • Peripheral arterial disease (PAD, poor circulation) or any procedure to improve circulation to the extremities?
    • Counseling or treatment for alcohol or substance abuse?
    • Kidney or liver disease?
  4. Any chronic lung disorder excluding intermittent asthma attacks?
  5. In the last 36 months have you been diagnosed by or received treatment from a medical professional for internal cancer, melanoma or disorder of the blood (this excludes squamous cell and basal cell skin cancers)?


3 strikes and you’re out

If you say yes three or more of the graded questions, you are not eligible for any coverage with American Home Life. Quite frankly, this is uncommon in the final expense industry. In general, burial insurance companies do not limit how many health questions you can say yes to, and remain eligible for coverage.


Not a full waiting period

American Home Life’s graded burial insurance plan does offer some form of immediate protection. In contrast, most other final expense companies mandate a full two year waiting period for their least healthy plan. This is definitely one area where American Home Life excels.

Here is how American Home Life will pay out your death benefit if you pass away during the first two years. If you pass away during the first year, they will pay out 50% of your death benefit. Additionally, if you pass away during the second year, they will pay out 75% of your death benefit. After the two years is up, they will forever pay out 100% of your death benefit.


face amount options

To begin with, the minimum amount of protection you can purchase is $1,000. The maximum amount you can buy is determined by your age. If you are between 50 & 75, you can buy up to $10,000 in protection. If you are 76-80, you can buy a maximum of $5,000.


Who is this plan good for?

To be perfectly honest, this graded burial insurance plan should be avoided by everyone. To clarify, this is only true for American Home Life’s graded plan. That is not true of their level benefit plan which is reviewed further down in this article.

We have two big complaints about this graded plan. First, they have a two year look back period on many conditions. Whereas, a one year look back is an option with other companies. Secondly, there are conditions in this section that are gladly accepted by other insurers. In the end, other burial insurance plans would cost less and come with immediate protection.

Obviously, this is not a very positive take on this graded plan. This really isn’t uncommon. Most burial insurance plans just don’t have competitive graded plans. It’s just the nature of the industry. Usually, where one plan forces you into a higher risk category, another company takes you with open arms. As we have said, this is exactly why it’s so important to buy through an independent agency. The freedom to choose what is best for you is the key to getting you the best burial insurance.


“Immediate Death Benefit” from American Home Life

Choice Mutual Grade = B

Quick facts about this plan

  • Coverage never expires
  • Full immediate protection starting on day one
  • The monthly premium cannot increase
  • The benefit will not decrease

First of all, you must say no to every single health question on the application. Then, and only then, will you be eligible for their immediate death benefit plan. Additionally, you must have no history of treatment of the conditions that appear in the application.


coverage starts immediately

If you do qualify for this plan, your coverage is effective in full starting on day one. There is absolutely no waiting period whatsoever.


Policy Minimums & Maximums

Just like the graded plan, this plan too has a minimum face amount of $1,000. However, their maximum face amounts are much different than the graded plan. Your age determines the maximum amount of coverage you may purchase. Below is a breakdown of their maximum face amounts by age.

AGE 50-75 AGE 76-80 AGE 81-85
$35,000 $15,000 $7,500


The Over $20,000 face amounts rule

If you want to purchase $20,000 or more in protection, American Home Life will order an APS. APS stands for “attending physician statement”. In essence, they will request a note from your doctor that confirms or denies your medical history.

This rule they have is extremely uncommon in the burial insurance business. It’s nearly unheard of for final expense companies to request doctor records in as part of the application. Therefore, if you are interested in $20,000 or more in burial insurance protection, we highly recommend you avoid American Home Life. Provided that most companies will not require an APS, why put yourself through an unnecessarily long and drawn out process? It just doesn’t make sense.


Accidental death rider

This is the only optional rider you can add on that costs extra premium. It will pay out an additional death benefit if you pass away specifically from an accident. You can elect to purchase an amount equal to or less than the death benefit of the base policy. This rider is only available to you if you are between 50 & 75. Furthermore, the coverage provided by this rider will terminate at age 80. Remember, your base policy will remain in effect forever. Only the rider portion will discontinue at age 80.


General thoughts on this plan

This burial insurance plan is a priced a bit higher than most other final expense companies. It will accept many of the common conditions that most other burial insurance companies cover. To demonstrate, below are some examples. Please note that some of these issues could warrant other types of health complications in your life which may or may not cause a decline. Just make sure you can still pass the knockout and graded questions. If you can, these conditions would still warrant their immediate benefit plan.

  • Atrial Fibrillation (A Fib)
  • Squamous Cell Skin Caner
  • Cerebral Palsy
  • Chronic Pancreatitis
  • Downs Syndrome
  • Multiple Sclerosis
  • Sickle Cell Anemia
  • Mental health issues (Schizophrenia, bi polar, etc)
  • Hypertension (High Blood Pressure)
  • Cholesterol


Where is this plan really good?

With American Home Life, there are some circumstances where they REALLY stand out. With final expense, there are certain health conditions where virtually all companies respond adversely.  Due to these conditions, it’s common that burial insurance companies charge a higher premium. Additionally, they may impose a full or partial waiting period.

American Home Life’s immediate plan offers unparalleled value for people in certain circumstances. If any of the below conditions apply to you, American Home Life might very well be your best option. They will not charge you more or impose a waiting period.


Pacemaker Battery Change

If you have a pacemaker, you know that eventually you will need to replace the battery. To change a pacemaker battery, you must endur a small outpatient surgery. Basically, the doctor will make a very small incision to access the pacemaker. If you have been through this, you know how minimal it is.

Unfortunately, this event, so to speak, is a problem for many final expense companies. Most final expense life insurance applications will contain a question asking about any recent heart or circulatory surgeries. This small surgery to change the battery in a pacemaker qualifies as a heart or circulatory surgery with most burial insurance companies.

With American Home Life, a pacemaker battery change does not count as a heart or circulatory surgery. As such, you can obtain level coverage. This means you pay much less and avoid a waiting period.

Parkinson’s Disease

This disease is asked about on nearly every final expense application you will ever encounter. With most companies, they will charge you more and impose a waiting period. There are some companies that only charge you more, but they offer you full first day protection. This is one such company.

American Home Life does not impose either of these penalties. To put it differently, they will not charge you more, or impose a waiting period whatsoever. Quite frankly, this is incredibly rare in the final expense business. In fact, if you have Parkinson’s disease, you will probably not find a better burial insurance plan on the market.

Diabetic Neuropathy or Diabetic Retinopathy

If you are taking Gabapentin, Neurotin, or Lamictal, you probably have neuropathy. Nerve pain in your legs is a very common and uncomfortable side effect of diabetes that isn’t managed well. With most companies, neuropathy results in both a higher premium and a waiting period. Royal Neighbors is the only other company that willing accepts neuropathy without imposing a penalty.

American Home Life will give you their immediate benefit even if you have these conditions. This means you will not have to pay an inflated premium or endure a waiting period during the first two years. Granted, you need to be sure you can say no to all the health questions on the application. If so, you can definitely get their immediate benefit burial insurance plan even with these diabetic issues.

Systemic Lupus

This condition is very similar to Parkinson’s in regards to the way final expense companies respond to it. In fact, most companies will have a health question that bundles Parkinson’s along with Systemic Lupus. The story is usually the same. At the minimum, you are forced to pay a higher premium. Most companies will also make you suffer through a waiting period of some kind too. Again, this is one company that will only charge you more, but will not impose a waiting period.

American Home Life will gladly offer you their immediate death benefit plan if you have Systemic Lupus. You will get first day coverage and get a lower premium with American Home Life. All around, they can give you a deal like no other company can.

“Maintenance” Medications

Many health conditions require you to start taking certain medications. For example, Coumadin (a blood thinner) is very commonly prescribed after you have a stroke. Additionally, many doctors will have you remain on this particular medication long after the stroke itself. There are many drugs like this for heart attacks and strokes.

A lot of final expense companies have a “high risk” medications list. If you filling a prescription on this list, they will rate you up (view you as higher risk). Consequently, they charge you more money and impose a waiting period. To them, it does not matter how long you have been taking the medications. It only matters that you are.

American Home Life is different in this area. They will take a look at how long you have been on medications. This length of time will be something they factor into their overall risk assessment. For many drugs that you have been taking for two years or more, they will view them as maintenance drugs. As a result, they will not hold them against you. They won’t charge you more, or give you a waiting period.

In the end, you will pay less and avoid an unnecessary waiting period. Foresters is another company that operates in a similar fashion.

As you can see, American Home Life’s immediate benefit plan is quite strong. It’s well priced, accepts many common conditions present among seniors, and offers insane protection to the already mentioned niches.

American Home Life Burial Insurance Review

American Home Life Summary

Overall, American Home Life has a very niche based burial insurance program. Relative to the competition, they are a little high priced. At all costs, make sure you stay away from their graded plan. It’s absolutely an inferior choice compared to many other burial insurance plans.

For the most part, their immediate benefit plan is one to carefully consider. They have some very sweet underwriting niches. If any of those niches apply to you, American Home Life could be your new best friend.

By now, you know as much about their Guidestar burial insurance plan as the agents who sell it. You probably have a good sense about whether or not it’s right for you. However, there are many factors that go into deciding which final expense is truly your best option.

We can make this whole process extremely easy and fast for you. We are experts in this space. This is all we do. We will have a friendly conversation with you to diagnosis your situation, and to understand your goals. Afterwards, we will look through all the top final expense companies. We can absolutely help you getting a burial insurance policy with American Home Life. However, our goal is to identify which insurance company, out of them all, will be best for you. We do not care which company it is. All we care about is doing what’s best for you.

You can call us toll free at 1-800-644-2926. On the other hand, you can let us call you. To do so, please fill out the quote form on this page, and we will be in touch shortly.