Term Life
Affordable protection for the years your family depends on your income most. Fixed premiums, straightforward payouts.
Protect the people who count on you.
AO Luxor helps working families secure affordable life insurance and final expense coverage — with no medical exam required on many plans and a licensed agent who actually answers the phone.
Get My Free Quote
Or call (586) 222-6213
- Licensed agents
- No obligation
- No medical exam options
- Same-day callback
Coverage
What we help families with
Whole Life & Final Expense
Permanent coverage that builds value and keeps funeral and end-of-life costs off your family's shoulders.
Supplemental Benefits
Accident, hospital, and income protection layered on top of what your employer or union already provides.
The process
How it works
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Tell us about your family
Two minutes, five questions, no SSN and no credit check.
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A licensed agent reviews your options
We compare what you qualify for and explain it in plain English.
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You choose — or you don't
There is no obligation and no pressure. If nothing fits, we'll say so.
Why AO Luxor
A real person, not a call center queue
Most people who look for life insurance give up somewhere between the third quote form and the fourth unknown number calling them back. We built AO Luxor to be the opposite of that: you talk to a licensed agent who knows your file, you get a straight answer about what you qualify for, and you decide on your own timeline.
- Licensed and appointed agents
- Plans available without a medical exam
- Coverage designed around working families, union members, and association members
- A real person assigned to your file from first call to policy delivery
Questions
Frequently asked
How much does coverage cost?
It depends on your age, your health, the type of plan, and how much coverage you want — which is why we do not publish a starting price. A licensed agent will quote you a real number for your situation rather than an average — and if the number does not work for you, we will tell you what would.
Do I need a medical exam?
Often no. Many of the plans we work with are simplified-issue or guaranteed-issue, which means underwriting is based on a health questionnaire instead of a paramedical exam. Some plans and coverage amounts do require an exam, and your agent will tell you up front which is which.
How fast can I be covered?
On no-exam plans, approval can come back the same day and coverage can begin as soon as the first premium is paid. Plans that require underwriting or an exam typically take two to six weeks. Availability and timing vary by carrier and by state, and all coverage is subject to underwriting approval.
What happens after I submit this form?
A licensed AO Luxor agent reviews what you sent and calls you at the time you selected — usually the same business day. There is no obligation to buy anything on that call. If you would rather talk sooner, call us directly at (586) 222-6213.
Will you call or text me?
We will call you, because that is what the form is for. We will only text you if you check the SMS consent box on the form — that box is optional, it is unchecked by default, and leaving it unchecked does not affect your quote in any way.
If you do opt in and later change your mind, reply STOP to any message and the texts end immediately. Reply HELP for help. Message frequency varies, and message and data rates may apply.
Is my information sold to other companies?
No. We do not sell your information. We share what is necessary with insurance carriers to get you quoted and underwritten, and with the service providers that run our systems — nothing more.
Your mobile number and SMS consent are held to a stricter standard than that: no mobile information is shared with third parties or affiliates for marketing or promotional purposes, ever. The details are in our Privacy Policy.
Free quote
Find out what you qualify for
Five questions, about two minutes. A licensed agent reviews your answers and calls you back — no obligation, and no pressure to buy anything.
- No SSN and no credit check to get a quote
- We never sell your information
- Texting is optional — the quote does not depend on it
Get My Free Quote
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