Flex LifeRemote-first agency for the modern age
Flex Life Insurance
American Family's hybrid term and permanent life insurance. Adjust premium and coverage as your life changes — with cash value built in.
No obligation · No coverage bound online · Same-day follow-up
The best of both worlds
Term-style affordability when you need a high death benefit, permanent-style cash-value optionality when you don't.
What it's for
Flex Life — formally American Family's DreamSecure Flexible Life Insurance — is an adjustable policy. It lets you change your premium and coverage amount to fit changing life-insurance needs. It also builds cash value over time. Think of it as the middle path between low-cost term and lifelong whole life.
How the flex works
Coverage adapts as your life evolves. When your family depends on your income, you can carry a higher death benefit. Once dependents are independent, you can elect the policy's paid-up insurance option to reduce coverage with no further premiums due. Optional riders let you buy more coverage at specific ages without medical questions.
When Flex Life makes sense
Flex Life fits when you want permanent-style protection but expect your needs (and budget) to change. New graduates planning a family, parents whose income is rising, business owners building both personal protection and cash value, and anyone who wants the freedom to adjust without re-applying.
Available riders
Optional add-ons that change what the policy can do. Riders are available for an additional cost.
Paid-up insurance option
Reduce your coverage when your needs decrease. Once elected, no further premiums are due — the remaining policy stays in force on a paid-up basis.
Guaranteed Purchase Option Benefit Rider
Buy additional life insurance at specified ages and life events without medical questions or an exam. Useful when you start with a smaller policy and want to scale up later.
Children's Insurance Rider
$15,000 of term life coverage on eligible children. The premium is the same regardless of how many children you have, and coverage can be converted to an eligible long-term policy.
Waiver of Monthly Deductions for Disability Rider
Waives certain monthly deductions if you become totally disabled. An extra layer of protection on top of the base policy.
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Flex Life cases need an agent walk-through to get the rider mix right. We'll explain how each one changes the policy before anything is bound.
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About your agent.Nelson & Associates Inc. is a captive American Family agency licensed in MN, IL, OH, WI, AZ, IA, KS, MO, ND, NE, and SD. DreamSecure Flexible Life Insurance is issued and underwritten by American Family Life Insurance Company, 6000 American Parkway, Madison, WI 53783.
Availability, premiums, and terms depend on state, age, health, and underwriting. Riders are available for an additional cost. Some products are not available in every state. This page is for informational purposes and is not an offer of insurance.