Up to $1,000,000 in coverage in 20 minutes.

Why would you wait 3 months for your insurance, when you can get up to $1,000,000 in Life insurance coverage today?

HometownInsuranceTechnology.com has made buying term insurance as easy as possible. With HometownInsuranceTechnology.com Instant Term, you're covered the moment you complete the application and pay online. You can choose from 10 or 20 years of coverage - from $100,000 to $1,000,000. HometownInsuranceTechnology.com Instant Term is issued by The American Life Insurance Company of New York.


Instant Coverage

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Just apply now, and if you qualify, you're covered immediately. After all, you shouldn't have to wait for coverage your family needs today.

Excellent Rates

Our Term life insurance is priced for internet delivery, HometownInsuranceTechnology.com Instant Term has reduced administrative costs — so you pay lower premiums.

Easy to Apply

Complete a brief on-line interview to determine your insurability. You'll be issued an on-line quote for three months of coverage. Once you accept, pick a time for a brief visit by a medical technician. Provide payment and sign the on-line application. The policy will be delivered to you on-line. It's that easy.

Trusted Partner

Founded in 1955, American Life Insurance Company of New York is a fully licensed, 50-state insurance carrier. It was awarded a rating of (B+)(on a scale of A++ to F) by A.M. Best, a respected authority on the financial strength of insurance companies.

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"The term life insurance is offered by The American Life Insurance Company of New York, a fully licensed, 50-state insurance carrier with its home office located in New York, New York. American Life has a rating of Excellent (A-) from A.M. Best (on a scale of A++ to F) for financial strength and operating stability. The product is an obligation of the insurance company and is not a deposit, not FDIC insured and is not insured by any government agency. Life insurance policies contain exclusions and limitations; benefits may vary due to misstatement of age or sex. The policy is issued as policy form 1-350 21-184 or a variation thereof. The product may not be available in all states"