At ASM Insurance & Financial Services, simplifying complex insurance choices is what we do best. When reviewing this US insurer’s life insurance offerings, I noticed their term life options—available in 10, 15, 20, and 30-year periods—bring flexibility, especially for those planning well into their 60s and 70s. While their term rates tend to be a bit higher for most, they may be more competitive for older applicants. Minimum coverage starts at $100,000, with online quotes and agent-assisted purchase, making it accessible for a variety of needs.
What stands out to me is the inclusion of living benefits, allowing access to death-benefit funds in the event of a critical, chronic, or terminal illness. This kind of added protection can offer real peace of mind. Additional riders—such as coverage for children, disability waivers, guaranteed insurability, and accident protection—can be tailored to your family’s unique circumstances.
Their permanent life policies, including indexed universal life tied to market indexes, appear less competitive due to lower illustration reliability and early cash-value access. It’s also worth noting the shorter window for term conversion. On the positive side, complaint levels are less than half the industry average, and an A+ rating signals strength and reliability.
Our goal is always to help you weigh options like these clearly, so you can choose coverage that truly fits your goals, budget, and long-term plans.
