What we offer
American Protection Plan is an independent agency licensed in Texas and Florida. We place three kinds of life insurance, all by phone. We are not an insurance carrier — the policy is issued and paid by the carrier you choose.
Best for: Ages 50–85 who want the funeral and final bills covered
A permanent whole life policy with a smaller benefit — typically $5,000 to $25,000 — sized to cover a funeral, burial or cremation, and the bills that follow. Premiums are level and the policy does not expire as long as it is paid.
Best for: Adults with a mortgage, dependents, or income to replace
Coverage for a fixed number of years — commonly 10, 15, 20, or 30 — at a larger benefit and a lower monthly cost than permanent insurance. Right when the need has an end date, like raising children or paying off a house.
Best for: People who have been declined for health reasons
A smaller whole life policy with no health questions and no exam. Carriers apply a graded benefit period — usually the first two years — during which death from natural causes returns premiums plus interest rather than the full benefit.
How you buy
Product availability, benefit amounts, eligibility, and rates vary by state, carrier, age, and health history. Nothing on this page is an offer of insurance or a guarantee of approval. Coverage exists only when a carrier issues a policy, and the policy document governs. American Protection Plan is not affiliated with any government agency or program.