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American Republic Insurance Company -
Life Insurance

Welcome to the American Republic Insurance Company

American Republic Insurance Company are The Care Company®, and their commitment is to those they serve. The American Republic site includes information about them, the products and services they make available to their customers, and the benefits they offer to those who want to join them in providing high quality products and services.


About American Republic

American Republic Insurance Company celebrated its 70th anniversary in 1999. Founded just before the Great Depression, American Republic has steadily grown in employee and financial strength.

More than 600 home office associates and more than 15,000 career sales representatives, managing general agents, and personal producing agents stand behind the name. American Republic Insurance Company continues its long-standing tradition of offering a variety of products to help policyholders preserve their financial security.

American Republic are proud of their commitment to providing insurance solutions for over 70 years.


American Republic Products

At American Republic Insurance Company, they care about the individual needs of each policyholder. Their insurance products are available through sales representatives.

  • Major Medical: Comprehensive protection with benefit options to meet your needs and budget.
  • PPO Major Medical: Comprehensive protection with coverage flexibility, cost savings through preferred provider organizations (PPOs) and complete freedom to choose your own doctors and hospitals.
  • MSA-compatible major medical: Comprehensive, high-deductible major medical coverage that works with your medical savings account (MSA) to provide meaningful savings on health care and insurance, while giving you total freedom of choice in your health care decisions.
  • MSA PPO: Comprehensive high-deductible major medical protection that works with your medical savings account (MSA). It offers preferred provider organization (PPO) discounts and meaningful savings on health care expenses and insurance premiums.
  • Short-Term Major Medical: Affordable comprehensive major medical protection for temporary coverage needs.
  • Freedom Medicare Supplement: Protection designed to help you meet the health care costs that
  • Medicare doesn't pay. Several plans are available to fit your needs and budget.
  • Independence Long-Term Care: Flexible long-term care coverage that lets you receive the care you need in the setting you prefer.
  • Term Life: Level term life insurance that lets you choose the amount of coverage you need for the length of time you need it.
  • Universal Life: Personalized protection with premium and death benefit flexibility, a competitive interest rate and cash value savings.
  • Whole Life: Various benefit levels to help cover final expenses.


Life Insurance Frequently Asked Questions

Can I borrow against my life insurance policy?
If your policy is a whole life policy - LifeSavings or Single Premium Savings - you can request a loan for any amount up to the loan value of your policy. American Republic will send you a form to complete and return. You may then repay this loan anytime you wish. If a claim is submitted before the loan is repaid, they will simply deduct the amount of the loan, plus any interest due, from the benefit paid to your beneficiary. American Republic will send you a notice of the interest due each year before your policy anniversary. If you choose not to pay interest, they will add the amount of interest to your loan balance.

Because of the low-cost premiums of term life insurance, cash and loan values are not earned. If you have a policy that converts to endowment insurance at a certain age, that policy would begin to earn cash and loan values. If you have this type of coverage, those values are shown in the nonforfeiture chart in your policy.

What if I don't pay my premiums?
You have a grace period in which to pay premium. If you do not pay your premium within this period, a term life policy will lapse. However, if you have a whole life policy (LifeSavings), the cash value of your policy may be used to pay your premiums and keep your coverage in force.

Does my policy earn dividends?
Only certain life insurance policies issued by American Republic are dividend paying and are currently receiving or being credited with dividends. If your policy does earn a dividend, you have several options on what happens to your dividend. You may choose to receive your dividend in cash, you may use it to reduce your premium, you may purchase additional paid-up insurance, or you may leave your dividend with the Company to accumulate interest.

Can I change what happens to my dividends?
You may change your dividend option at any time. You may also choose to withdraw dividends that have been accumulating interest whenever you wish.

I have a new baby. Can I add her/him to my life insurance?
Some policies have this feature. Please call American Republic at 1-800-443-3898 to find out if your policy provides for family member coverage. If it does, there may be an increase in the premium you are charged depending on whether or not you already have dependent coverage for other family members. You will need to complete an application and mail it to American Republic. After the new member has been added, they will send you an endorsement to keep with your policy showing the addition.





601 6th Avenue,
Des Moines, IA 50309
(800) 247-2190

http://www.aric.com

American Republic Insurance Company - Life Insurance

Welcome to the American Republic Insurance Company

American Republic Insurance Company are The Care Company®, and their commitment is to those they serve. The American Republic site includes information about them, the products and services they make available to their customers, and the benefits they offer to those who want to join them in providing high quality products and services.


About American Republic

American Republic Insurance Company celebrated its 70th anniversary in 1999. Founded just before the Great Depression, American Republic has steadily grown in employee and financial strength.

More than 600 home office associates and more than 15,000 career sales representatives, managing general agents, and personal producing agents stand behind the name. American Republic Insurance Company continues its long-standing tradition of offering a variety of products to help policyholders preserve their financial security.

American Republic are proud of their commitment to providing insurance solutions for over 70 years.


American Republic Products

At American Republic Insurance Company, they care about the individual needs of each policyholder. Their insurance products are available through sales representatives.

  • Major Medical: Comprehensive protection with benefit options to meet your needs and budget.
  • PPO Major Medical: Comprehensive protection with coverage flexibility, cost savings through preferred provider organizations (PPOs) and complete freedom to choose your own doctors and hospitals.
  • MSA-compatible major medical: Comprehensive, high-deductible major medical coverage that works with your medical savings account (MSA) to provide meaningful savings on health care and insurance, while giving you total freedom of choice in your health care decisions.
  • MSA PPO: Comprehensive high-deductible major medical protection that works with your medical savings account (MSA). It offers preferred provider organization (PPO) discounts and meaningful savings on health care expenses and insurance premiums.
  • Short-Term Major Medical: Affordable comprehensive major medical protection for temporary coverage needs.
  • Freedom Medicare Supplement: Protection designed to help you meet the health care costs that
  • Medicare doesn't pay. Several plans are available to fit your needs and budget.
  • Independence Long-Term Care: Flexible long-term care coverage that lets you receive the care you need in the setting you prefer.
  • Term Life: Level term life insurance that lets you choose the amount of coverage you need for the length of time you need it.
  • Universal Life: Personalized protection with premium and death benefit flexibility, a competitive interest rate and cash value savings.
  • Whole Life: Various benefit levels to help cover final expenses.


Life Insurance Frequently Asked Questions

Can I borrow against my life insurance policy?
If your policy is a whole life policy - LifeSavings or Single Premium Savings - you can request a loan for any amount up to the loan value of your policy. American Republic will send you a form to complete and return. You may then repay this loan anytime you wish. If a claim is submitted before the loan is repaid, they will simply deduct the amount of the loan, plus any interest due, from the benefit paid to your beneficiary. American Republic will send you a notice of the interest due each year before your policy anniversary. If you choose not to pay interest, they will add the amount of interest to your loan balance.

Because of the low-cost premiums of term life insurance, cash and loan values are not earned. If you have a policy that converts to endowment insurance at a certain age, that policy would begin to earn cash and loan values. If you have this type of coverage, those values are shown in the nonforfeiture chart in your policy.

What if I don't pay my premiums?
You have a grace period in which to pay premium. If you do not pay your premium within this period, a term life policy will lapse. However, if you have a whole life policy (LifeSavings), the cash value of your policy may be used to pay your premiums and keep your coverage in force.

Does my policy earn dividends?
Only certain life insurance policies issued by American Republic are dividend paying and are currently receiving or being credited with dividends. If your policy does earn a dividend, you have several options on what happens to your dividend. You may choose to receive your dividend in cash, you may use it to reduce your premium, you may purchase additional paid-up insurance, or you may leave your dividend with the Company to accumulate interest.

Can I change what happens to my dividends?
You may change your dividend option at any time. You may also choose to withdraw dividends that have been accumulating interest whenever you wish.

I have a new baby. Can I add her/him to my life insurance?
Some policies have this feature. Please call American Republic at 1-800-443-3898 to find out if your policy provides for family member coverage. If it does, there may be an increase in the premium you are charged depending on whether or not you already have dependent coverage for other family members. You will need to complete an application and mail it to American Republic. After the new member has been added, they will send you an endorsement to keep with your policy showing the addition.





601 6th Avenue,
Des Moines, IA 50309
(800) 247-2190

http://www.aric.com

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