Family protection planning
Protect the income, home, and people who depend on you.
Explore term life, mortgage protection, living benefits, permanent coverage, and final-expense options around what your loved ones would need.
Start with a few quick questions. No SSN or bank information.
See a private term estimate
Use the proposed insured’s basic rating information to see carrier-sourced estimates in about 30 seconds. No contact information is required.
See a private final-expense estimate
Enter the proposed insured’s basic rating information for a live carrier estimate. No name, email, or phone required.
Choose a coverage amount$15,000
Selected coverage / month
Continue to secure applicationEstimate sourced from Mutual of Omaha’s public whole-life quote experience. It is not a policy offer or approval, and product availability varies by age, state, and carrier rules.
- Plan around family income, a mortgage or rent, and final costs
- Compare term and permanent goals, including living-benefit considerations
- See 10-, 15-, 20-, and 30-year term estimates without contact information
Compare your term options
Rates shown are estimates before underwriting.
Generated live from Ameritas’ public Value Plus Term calculator for these answers. First Freedom Life is not the issuing insurer; this is an estimate, not a bindable quote or offer.
Estimated range by term length
These ranges span the carrier classes shown below. Your final class is determined through underwriting. Eligibility, available classes, and rates vary by age, state, and underwriting.
Compare every underwriting class and rider option
Preferred Plus through Standard are carrier underwriting classes—not choices you need to make today. “Conversion Extension Rider” options include an additional rider estimate where available.
Swipe to compare all classes →
| Level term | Preferred Plus | Preferred | Select | Standard |
|---|
Not sure which health class applies?
That is normal. The carrier determines your final underwriting class after an application. Start with the protection planner below to identify what your family needs before any application step.
Build your protection plan
Begin with the protection goal that matters most, then use the existing secure application intake when you are ready to continue.
Choose one goal above. You can change it at any time.
The goal selector, term estimate, and final-expense planner do not ask for an SSN or bank information. They do not apply for or bind coverage. Product and living-benefit availability vary by carrier, state, policy, and eligibility.
Submitting the intake is not a policy approval or authorization to issue coverage. A licensed professional will review next steps with you.
Questions while you plan? Call or text (786) 567-6889. No appointment is required.
Numbers are a starting point—not a promise.
Both sides display live carrier estimates using basic rating information without asking for your name, email, or phone. Neither side applies for, approves, or activates coverage.
Is the displayed premium final?
No. The actual premium may differ from this quote. Ultimate premiums and eligibility are determined after the carrier completes underwriting and confirms the selected payment method.
What is the Conversion Extension Rider?
The Conversion Extension Rider may extend the period in which an eligible term policy can be converted to permanent insurance. Availability, limits, and rider cost vary by policy, age, and state.
Does getting an estimate apply for coverage?
No. The quote does not submit an application or bind coverage. Use the protection planner to organize your goal, then complete the secure application intake when you are ready for First Freedom Life to review eligibility and next steps.
Where does the final-expense estimate come from?
The final-expense estimate uses Mutual of Omaha’s public whole-life quote experience. The public range is generally ages 45–85 and $2,000–$25,000, with different limits in Washington and New York. State availability and final terms still must be confirmed.
Important: Premiums are guaranteed level only for the applicable initial term period. Guarantees are based on the claims-paying ability of the issuing company. This quote is based on age nearest birthday. The actual premium may differ from this quote. Ultimate premiums are determined after the underwriting process is complete and by the payment method selected. This quote is not an offer of a contract.
Value Plus Term policy forms, riders, features, and availability vary by state. Ameritas Life Insurance Corp. or Ameritas Life Insurance Corp. of New York is the issuing insurer, as applicable. First Freedom Life is an independent insurance brokerage and is not the issuing carrier. Review carrier materials and policy forms for complete terms.
Final-expense estimates shown here use Mutual of Omaha’s public whole-life quote, underwritten by United of Omaha Life Insurance Company except in New York, where Companion Life Insurance Company is the underwriter. Public quoting is generally available for ages 45–85 and $2,000–$25,000; Washington starts at $5,000, and New York uses ages 50–75. During the first two policy years, natural-cause benefits are limited; accidental-death and later benefits follow the carrier’s stated policy terms. Product availability and limits vary by state.
First Freedom Life is an independent insurance brokerage and is not the issuing carrier. A displayed estimate is not an offer, application, approval, or binding coverage. Review the carrier illustration, exclusions, policy forms, and final issued terms before purchase.