Welcome to American Assurance USA
Understanding Your Insurance Needs
At American Assurance USA, we are dedicated to helping our customers in any way possible. We understand that everyone’s needs are different, and we work hard to find the best insurance options at the most affordable prices.
We're proud to represent great life insurance carriers like:
Welcome to American Assurance USA
Understanding Your
Insurance Needs
At American Assurance USA, we are dedicated to helping our customers in any way possible. We understand that everyone’s needs are different, and we work hard to find the best insurance options at the most affordable prices.
Your Family's Security Starts With American Assurance USA
We believe that knowledge is power, and so we are dedicated to giving our customers a full understanding of life insurance. A personal life insurance policy does more than just give your loved ones money when you die, it can also improve your quality of life while you’re alive.

Life Insurance Basics
If you want to get a grasp on life insurance and how it works, this article is for you. We’ll go over the basics of life insurance policies and discuss the key differences between term, whole life, universal, and variable life insurance.

What are your needs?
We want you to have all the facts before making a decision. And term life insurance may be more affordable than you think. Learn all you need to know about term insurance.

Chronic Illness or Critical Illness?
Although both riders provide financial assistance to policyholders with medical conditions, there are some key differences between them. Which one is best for you?

AD&D Coverage Explained
While the death of a loved one is always tragic, it can be especially difficult to deal with if the death was unexpected and could have been prevented. If you’re considering purchasing Accidental Death and Dismemberment insurance, there are a few things you should keep in mind.

The American Assurance USA Way
We believe that life insurance is one of the most important purchases you can make. That’s why we work with A-rated insurance carriers to bring our customers the best life insurance coverage options, including term life insurance, whole life insurance, final expense insurance, and universal life insurance.
We want our customers to be able to sleep soundly at night, knowing their loved ones will be taken care of financially if something happens to them. We’ll help you find the right life insurance policy and financial protection that fits your needs.
Thank you for considering us when choosing a life insurance company. We know that this is an important decision and we’re honored to be part of it.
We Can Help You With That.




What They Say

“I was extremely pleased with American Assurance USA when I purchased my funeral insurance policy from them. The agent took the time to properly explain all of the available options to me and helped tailor a solution that achieved my personal goals.”
Nathaniel Douglas

“American Assurance is a great company!!! They provide a one stop shop for all your insurance needs. They promote transparency and provide information explaining various terminology that alleviates confusion with regard to our personal choice.”
Annique Jeanty

M. Johnson
Senior Connections
We like to make things easy for you. That’s why we offer an array of helpful services surrounding retirement – including burial insurance, funeral planning, living wills, and more.
We realize that this stage in your life can be both difficult and joyful, so let us help lighten the load a little bit

While no one likes to think about their own death, making funeral arrangements in advance can spare your loved ones a great deal of stress and conflict.

11 Ways to Enjoy a Fulfilling Retirement
Ah, retirement. That blissful time when you’re finally free to do what you want when you want. Take advantage of every opportunity that comes your way and you’re sure to have the time of your life!

Final expense life insurance is a great way to protect your loved ones in the event of your death. This type of policy does not require a medical exam, making it a good choice for those who want to avoid one.
Recent News and Updates
Welcome to the recent news and updates section of our blog! We have highlighted just a couple of our latest articles for you to check out.

5 Ways Life Insurance Can Help with Estate Planning
Estate planning is a topic that gives most of us a headache, but luckily there are ways life insurance can help. It may be hard to imagine, but having the right life insurance policy can turn your estate planning into a piece of cake. From having funds to cover the

How to Perform a Breast Self-Exam
When it comes to being proactive about our health, taking a few moments for the simple task of a breast self-exam can reap serious benefits. In fact, the concept is quite straightforward: A breast self-exam is basically a process of checking your own breasts for any changes indicating possible problems.

Indexed Universal Life vs Limited Pay Whole life Insurance. Which is a better investment?
It’s an age-old dilemma: Indexed Universal Life vs Limited Pay Whole Life Insurance? With so many life insurance coverage options to choose from, it can be difficult to decide which among them is the right fit for you. Indexed Universal Life (IUL) and Limited Pay Whole Life Insurance are two

How to Choose the Right Group Health Plan for Your Business
Choosing a group health plan for your business can be a difficult and sometimes daunting process. Don’t worry – taking the time to familiarize yourself with the different options and understand the finer details of each will enable you to choose the best plan and coverage for you, your employees,
The Truth About Funeral Costs: What Every Family Should Know
When a loved one passes away, families are faced with making dozens of decisions while navigating their grief. Unfortunately, this emotional vulnerability often coincides with one of the largest purchases many people will ever make—a funeral service. Without proper knowledge and preparation, families can easily spend thousands more than necessary

What is a Graded Death Benefit?
What is a graded death benefit and why could it be beneficial for life insurance coverage? Graded death benefits can offer essential financial protection to individuals by providing life insurance even if a person has been declined when applying for fully-underwritten policies. In this post, we will explain the various
FAQ
Most frequent questions and answers
There is no one-size-fits-all answer to this question, as everyone’s life insurance needs are different. However, generally speaking, if you have dependents (e.g., a spouse or children) who rely on your income, then you should consider purchasing life insurance.
In addition, if you have large expenses such as a mortgage you may want to get life insurance to make sure your family can continue to afford these expenses in the event of your death.
Again, there is no easy answer to this question. The amount of life insurance you need depends on factors such as your age, health, lifestyle, and financial obligations. A good rule of thumb is to purchase a policy that is worth 10-12 times your annual income.
The cost of life insurance varies depending on factors such as your age, health, lifestyle, and the type of policy you purchase. Generally speaking, term life insurance is more affordable than whole life insurance; however, whole life policies offer more benefits than term policies.
Depending on your needs and budget, the best policy for you varies. If you’re looking for insurance protection that also builds cash value over time, there are two primary options: whole life and universal life.
A whole policy usually has level premiums and more guarantees, but a universal policy is often more affordable because it offers variable premiums within flexible limits.
With many insurance companies, you have the option to personalize your policy with different types of provisions. For example, an accelerated death benefit rider provides funds for end-of-life needs and some forms of long-term care.
If you don’t need permanent coverage or cash value (which can offer benefits like policy loans), then term life insurance quotes will usually be cheaper.
If you cancel your life insurance policy, you will no longer be covered by the policy and will not be able to receive any death benefits in the event of your death. Additionally, if you have a whole-life policy with cash value, you will forfeit any accumulated cash value when you cancel the policy