Someone is counting on the paycheck you bring home.
Life insurance is the one policy that isn't for you — it's for the people who'd have to keep going without your income. Auto-Owners writes it through its own life company, offers term, whole, and universal coverage for every stage, and adds something almost no P&C carrier does: a life-multiplier discount that can lower your home and auto premiums when you carry a policy. Here's how the coverage works, how much you might need, and what to know before you buy. Placed through an independent agency that represents Auto-Owners.
The short answer
Auto-Owners writes life insurance through its own life company — term, whole, and universal life, plus annuities and disability income — which is rare for a home-and-auto carrier. The standout is the life-multiplier discount: carrying even a modest qualifying life policy adds a discount to both your home and auto, and the combined savings can exceed what the life policy costs. Term covers a temporary need cheaply; whole and universal are permanent with cash value. It's backed by an A+ (Superior) carrier and placed only through an independent agent like Cribb. This is general information, not financial advice.
Coverage for every stage of life.
Auto-Owners offers the full range through its own life company — the type that fits depends on whether your need is temporary or lifelong.
Term life
Covers you for a set period — often 10, 20, or 30 years — at a fixed premium. The most affordable way to buy a large death benefit while children are young or a mortgage is being paid down.
Whole life
Permanent coverage that lasts your whole life as long as premiums are paid, with a level premium and guaranteed cash value that builds over time and can be borrowed against, subject to policy terms.
Universal life
Permanent coverage with flexibility to adjust premium and death benefit within limits, and a cash value component. A middle path between term's simplicity and whole life's guarantees.
Disability income
Your ability to earn is your biggest asset. Disability income replaces part of your paycheck if illness or injury keeps you from working — the risk people insure least and face most.
Annuities
Auto-Owners also offers annuities for tax-deferred growth and retirement income. They can qualify for the life-multiplier discount too, and they're a topic we walk through carefully with you.
Riders
Optional riders can add features such as accelerated death benefits for a terminal illness, a waiver of premium if you're disabled, or coverage for a child — available and priced per the policy.
Auto-Owners runs its own life company.
Most property-and-casualty carriers hand life insurance off to a third party. Auto-Owners underwrites and issues it in-house, so the same organization behind your home and auto stands behind your life policy.
The claim is paid by the same name on your home and auto.
Auto-Owners life coverage is underwritten and issued by Auto-Owners Life Insurance Company, part of the same organization as the home and auto policies — not brokered out to an unrelated insurer. That means one carrier, one relationship, and a death benefit paid by a financially strong company you already know. AM Best assigns Auto-Owners Life Insurance Company a Financial Strength Rating of A+ (Superior).
For a family that already trusts Auto-Owners with the house and the cars, adding life keeps everything under one roof — and, as the next section shows, it can actually make the rest of the account cheaper.
A life policy that helps pay for itself.
Carry a qualifying Auto-Owners life policy and an extra multi-policy discount applies to both your home and your auto — the coverage you were going to keep anyway, now cheaper.
Often, the discount is worth more than the policy costs.
Here's the part that surprises people. When you own a qualifying Auto-Owners life product — and it can be modest, even a small simplified-issue term policy or a policy on a child — Auto-Owners applies an added discount to both your home and auto policies. According to Auto-Owners agents, the combined discount on the home and auto is often greater than the cost of the life policy itself. In practical terms, the life coverage can effectively pay for itself while your family gets the protection.
We can't promise a specific number — discounts are set by the carrier and vary by state, policy, and eligibility — but it's exactly the kind of math worth running. When we quote your life alongside your home and auto, we'll show you what the multiplier actually does to the whole account.
Three things to get right on life insurance.
First, buy enough — enough to replace your income, clear the mortgage and debts, and cover what your family would need for years, not months. Second, match the type to the need — term for a temporary gap, permanent when the need is lifelong. Third, if your home and auto are with Auto-Owners, capture the multiplier so the life policy works double duty. We'll help you size all three — as information, not financial advice.
Add up what your income quietly covers.
A common starting point is roughly ten times your annual income — then adjusted up or down for your mortgage, debts, savings, and how many people depend on you. It's a starting line, not a rule.
The real number is your family's, not a formula's.
Think in terms of what your paycheck silently pays for: years of replaced income so your family can stay in their routine, the mortgage paid off so they can keep the house, other debts cleared, children's education funded, and final expenses covered. Subtract existing savings and any coverage you already have, and you have an honest number.
Coverage through work is a good start but usually isn't enough and doesn't follow you if you change jobs. We'll work through a real figure with you based on your family and your goals. This is general information to help you plan, not financial advice — for tax and investment questions, a qualified professional should weigh in.
A few things worth understanding first.
Life insurance is straightforward, but a few features surprise people at the wrong moment.
Term coverage ends when the term does
If you outlive a term policy, there's no payout and no cash value — that's why it's inexpensive. Match the term to the years your family actually needs the protection, and consider convertibility to permanent.
Permanent isn't an investment first
Whole and universal life build cash value, but slowly, especially early on. Buy permanent life because you need lifelong coverage, not as a substitute for a dedicated investment or retirement plan.
Honesty on the application matters
Policies typically have a contestability period early on, and material misstatements on the application can affect a claim. Answering health and lifestyle questions accurately is what keeps the coverage solid when it's needed.
Backed by an A+ (Superior) carrier.
AM Best assigns Auto-Owners Life Insurance Company — the company that underwrites and issues Auto-Owners life coverage — a Financial Strength Rating of A+ (Superior), its second-highest rating level and part of its top "Superior" category. For a life policy, whose promise may not be called on for decades, the insurer's long-term financial strength is central. A financial strength rating is an opinion about an insurer's ability to meet its obligations — not a grade of how a specific claim is handled, and not a recommendation. Current ratings are at ambest.com.
Where we earn it on life.
The quiet life mistakes are too little coverage to actually replace an income, the wrong type for the need, relying only on work coverage that vanishes if you change jobs, and missing the multiplier that could cut the home and auto. We help you size an honest number, match term or permanent to your goal, capture the discount, and — because we're independent — compare Auto-Owners against other carriers for your health and budget. We don't give financial or tax advice, and we'll tell you when a professional should.
Often less than people expect.
A general planning range for term life for a healthy adult — not a quote, not carrier-specific, and not a guarantee. Life pricing is highly individual: it turns on your age, health and tobacco use, the coverage amount and term length, and the type of policy — permanent coverage such as whole and universal life costs more than term. The life-multiplier discount can offset part or all of the premium by lowering your home and auto. The only way to know your number is to be quoted; send us the basics and we'll build it with you, Auto-Owners compared against other carriers.
The multiplier reaches the rest of your account.
Auto-Owners life insurance questions.
Does Auto-Owners have its own life insurance company?
Yes, and it sets Auto-Owners apart from most property-and-casualty carriers. Rather than brokering life insurance out to a third party, Auto-Owners underwrites and issues it through Auto-Owners Life Insurance Company, part of the same organization that handles your home and auto.
That means term life, whole life, universal life, annuities, and disability income all come from one carrier and one relationship, and the claim is paid by the same financially strong family of companies. For a family that already trusts Auto-Owners with the house and the cars, keeping life under the same roof is straightforward.
Term, whole, or universal life — what's the difference?
Term life covers you for a set period, such as 10, 20, or 30 years, at a fixed premium; it's the most affordable way to buy a large death benefit and is ideal for temporary needs like replacing income while children are young or a mortgage is being paid down. Whole life is permanent coverage that lasts your entire life as long as premiums are paid, with a level premium and guaranteed cash value that builds over time.
Universal life is also permanent but more flexible, letting you adjust premiums and death benefit within limits, with a cash value that can vary. Which fits depends on whether your need is temporary or lifelong and on your budget — that's the conversation we have when we quote it, and it isn't financial advice.
What is the Auto-Owners life-multiplier discount?
It's one of the most compelling reasons to place life with Auto-Owners. When you own a qualifying Auto-Owners life product, an additional multi-policy discount is applied to both your home and auto policies. The qualifying policy can be modest — even a small simplified-issue term policy, a whole life policy on you or a child, a universal life policy, or a qualifying annuity.
According to Auto-Owners agents, the combined discount on the home and auto policies is often greater than the cost of the life policy itself, which means the life coverage can effectively pay for itself while protecting your family. Discounts are subject to the carrier's rules and eligibility and vary by state and policy, so we'll run the actual numbers for your account.
How much life insurance do I need?
It depends on who relies on your income and what you'd want covered if you were gone: replacing several years of income, paying off the mortgage and other debts, funding children's education, and covering final expenses. A common starting rule of thumb is roughly ten times your annual income, adjusted up or down for your debts, savings, and family situation.
But it's a starting point, not a rule, and this is general information rather than financial advice. We'll help you work through an honest number based on your family, then find the coverage and type that fit it.
Can I get life insurance if I have health issues, and do I need a medical exam?
Often yes. Smaller coverage amounts may be available through simplified-issue policies that ask health questions but don't require a medical exam, while larger amounts typically involve full underwriting that may include an exam and can offer better rates for good health. Existing health conditions don't automatically disqualify you; they affect eligibility and pricing, and options vary.
Because we're independent, if Auto-Owners isn't the best fit for your health picture, we can compare other carriers. The best move is to tell us your situation and let us find the right path rather than assume you can't qualify.
How do I get an Auto-Owners life quote in Bentonville or Rogers?
Start at our personal lines quote form or call (479) 286-1066. Tell us who depends on your income and roughly what you'd want covered, and if you carry your home and auto with Auto-Owners we'll also show you what the life-multiplier discount would do to those premiums.
Because Auto-Owners only sells through independent agents, an agency like ours is the only way to buy its life coverage, and we'll compare it against other carriers to make sure the coverage and price fit.
If our coverage explainers are useful, mark Cribb Insurance as a preferred source so more Northwest Arkansas families can find our local, plain-English guides.
Protect your family — and maybe cut your home and auto too.
Tell us who depends on your income and roughly what you'd want covered, and we'll size an honest number, match term or permanent to your goal, and — if your home and auto are with Auto-Owners — show you what the life-multiplier discount does to the whole account. Compared against other carriers, always.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Auto-Owners, and this page is not endorsed, sponsored, reviewed, or approved by Auto-Owners. "Auto-Owners" and "Auto-Owners Insurance" are service marks or trademarks of Auto-Owners Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Auto-Owners life insurance, annuities, and disability income coverage are underwritten and issued by Auto-Owners Life Insurance Company.
This page describes life insurance in general, industry-standard terms for informational purposes only. It is not a policy, not an offer of insurance, not financial, tax, investment, or legal advice, and not a guarantee of coverage, availability, eligibility, or price. Policy types (term, whole, universal), annuities, disability income, riders, cash value, guarantees, limits, premiums, and exclusions are set by the carrier, vary by state and by policy and over time, are subject to the carrier's underwriting approval and eligibility, and apply only as written in the policy actually issued to you. Guaranteed cash value and other guarantees apply only as stated in the policy and are subject to its terms, including any policy loans or withdrawals, which reduce the death benefit and cash value. Universal life cash value is not guaranteed and may vary. Any tax treatment described is general; consult a qualified tax professional regarding your situation. Coverage amount guidance such as a multiple of income is a general rule of thumb, not a recommendation.
The life-multiplier / life multi-policy discount is subject to the carrier's rules, eligibility, and qualifying-product requirements, varies by state and policy, is not guaranteed, and actual savings depend on your specific circumstances; statements that the combined home and auto discount may exceed the cost of the life policy reflect general observations and are not a promise of savings. Discounts and eligibility are determined by the carrier at quote and issuance.
Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance and contractual obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address claims-handling practices; current ratings are at ambest.com. The A+ (Superior) rating referenced applies to Auto-Owners Life Insurance Company. Cost figures are a general planning range for illustrative purposes, are not a quote, not carrier-specific, and not a guarantee of your rate; life insurance pricing is individually underwritten and determined at quote.
Last reviewed July 2026.