Life Insurance

Protect Your People, Secure Your Future

Essential coverage for your business

Get a Life Insurance Quote with Ameri-First Brokerage Corp.

Life insurance isn’t just personal—it’s a smart business move. Whether it’s for key employees or co-owners, our tailored policies help safeguard your company’s future. We help businesses across 40+ States use life insurance for:

Business continuity
Buy-sell agreements
Loan eligibility
Employee retention

Call us for a fast quote:

Call: 404-909-5581

Licensed in 40+ States

100% Customer Satisfaction Guarantee

Best Coverage for Your Business Needs

We Care—Your Protection is Our Priority

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What Does Life Insurance Cover?

Life insurance helps businesses stay financially secure in times of uncertainty. It can:

Protect a partner’s interest
Support business loans
Fund buy-sell agreements
And lastly, Provide peace of mind for families

Let us help you find the right coverage for your team or key people.

Already have insurance? Switching is easy

Switching agent/agency allows you better worth for you pocket and service to your accounts and ability to talk with professionals that become your one point of contact, rather than talking to multiple customer service representatives. With our agency you sign up for a professional input/advice that is needed for your particular insurance policy in that time frame. Your trust and benefit is our goal.

We've got answers

Frequently Asked Questions

1.Why should I offer group health and life insurance?

Offering group insurance helps attract and retain talent, improves employee satisfaction, and may provide tax advantages. It shows you're invested in your team's well-being and enhances competitiveness.

2.What is group health insurance for businesses?

Group health insurance is a single policy covering your employees. It typically includes doctor visits, hospitalization, prescriptions, and preventive care.

3.What is group life insurance for employees?

Group life insurance provides a death benefit to an employee’s beneficiary if they pass away while covered. Employers often provide a base amount (e.g., 1x salary) with optional add-ons.

4.What is Key Person Life Insurance?

Key Person Life Insurance is a policy purchased by the business on the life of a critical employee. The business is the beneficiary and uses the payout to cover financial loss if that key person dies unexpectedly.

5.Who qualifies as a “key person”?

A key person is anyone whose skills or contributions are critical to the business's operations—such as owners, executives, or uniquely skilled employees.

6.How does Key Person Insurance benefit my business?

It provides funds to offset revenue loss, pay off debts, recruit replacements, and ensure business continuity in case of the key person’s death.

7.How many employees do I need to offer group insurance?

Most insurers require 2–5 employees to start a group plan, though some small-business-specific plans are available for even fewer.

8.Can I include family members or co-owners?

Yes, if they are active employees and meet eligibility criteria, they can be included in the group plan.

9.Do I have to offer coverage to all employees?

Group plans generally require you to offer coverage to all full-time employees equally to avoid discrimination and meet regulatory guidelines.

10.What happens to coverage if I sell or close the business?

Policies generally terminate, but you may have options to convert or transfer individual policies. Key Person policies may be assigned or surrendered based on ownership changes.