Your Life Insurance is a Commitment to Those Who Depend on You...

Many professional advisors recommend 8 to 20 times your annual income to maintain your family’s standard of living. Without income, could your family afford to:

• Maintain their current standard of living
• Pay off current mortgage and other debts
• Pay future educational expenses

What is Alternative 95?

Alternative 95 is a participating decreasing term life insurance policy with Guaranteed Level Premiums to age 95. This policy earns dividends, which are designed to purchase one-year term insurance each year. Although no insurance company can guarantee dividends, using our current dividend schedule to purchase one-year term insurance each year results in a Level Death Benefit to age 95.

What's In It for Me and My Family?

• High value security for you and your family
• Low guaranteed costs
• Free-up dollars for savings and investments such as Roth IRA, real estate, stocks, and others
• Excellent financial planning tool, especially for replacing income

• Guaranteed level premium to age 95
• Participating policy with dividends *
• Affordable long term coverage
• Convertible to age 70

• RETURN OF PREMIUM RIDER refunds all premiums paid through the anniversary following your 95th birthday. This excludes any dividends, waived premium, or Pure Endowment Benefits.



• ACCIDENT DISABILITY INCOME RIDER may provide a monthly income if the Insured is totally disabled from an accident as defined in the rider. Benefit periods and limitations may apply.



• CHILDREN’S TERM INSURANCE RIDER provides level term life insurance protection for all your eligible children who are between the ages of 15 days and 19 years. Coverage remains for each child until age 25 or marriage, if earlier. At the end of the term period the benefit may be converted for up to five times the original amount, regardless of health.



• ACCIDENTAL DEATH BENEFIT provides an additional Death Benefit if death is a result of an accident as defined in the rider.



• WAIVER OF PREMIUM waives the premium if the primary insured becomes totally disabled for at least six months as defined in the rider. Premiums are waived for the policy and any attached riders. If the total disability ceases, simply resume premium payments; there are no requirements for payment of back premiums.

If you would like to contact American Fidelity about this product, please identify your industry or profession below and click the "Next" button to continue.

The information contained on this product page generally highlights the important features of the particular American Fidelity product listed, and does not constitute a statement of contract, nor a complete description of the conditions, benefits, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. This particular product page is not intended for residents of GA, MS, MT, NJ, NY, OR, WA, or WV. For more complete information, please consult the terms of the product policy form approved in your state or contact us. (DT95P-01 series)