In our line of work, we spend a lot of time traveling around the country, talking about the numerous and wonderful advantages of having Living Benefit riders (Critical, Chronic, and Terminal Illness) automatically included on every life insurance policy that Alliance Group partners sell. However, there is one particular application of these Living Benefit riders, […]
By combining downside protection with upside potential, indexed annuities can provide the balanced, sensible investment approach retirement savers are seeking.
LIVING BENEFITS: THE SMARTPHONES OF LIFE INSURANCE Are you still protecting your family and finances with the “old kind” of life insurance that only pays out if you die? Or just as unnerving…are you selling it to your clients??? Living Benefits life insurance is the new, evolved kind of life insurance. […]
As a leading independent IMO in the life insurance industry, my company partners with lots of agents/agencies who sell health insurance as well. Some focus primarily on health and dabble in life; others the exact opposite. Every year, we see these health folks largely go quiet with their life production during a certain time of year […]
I ran across this article today that continues to prove our point, further validating the need for LIVING BENEFITS. The first paragraph says it all: “Bankruptcies resulting from unpaid medical bills will affect nearly 2 million people this year-making health care the No. 1 cause of such filings, and outpacing bankruptcies due to credit-card bills […]
No one can predict when a long term illness or premature death will occur. The only thing you can plan for or predict is that if/when this occurs, without having a financial plan in place, your loved ones may be put in a very difficult financial position. In the event of an unforeseen or unplanned financial disaster, mortgage protection or mortgage insurance plans can offer you and your family a considerable amount of protection and peace of mind and serve as the perfect financial safety net.
A life insurance product that can provide financial utility during a client’s life & NOT just at death, living benefits can be the difference between financial survival and financial demise. At Alliance Group, we have been marketing & delivering living benefits to Middle America and small business owners since 1998. For over 15 years, our research in the marketplace has led us to believe that suffering from a critical illness IS unequivocally the biggest financial threat facing families and small businesses alike throughout the country.
Life insurance may be one of the most important purchases you’ll ever make. In the event of a tragedy. Get a sense of how much and what kind to buy, plus information about how different life events, such as having children or buying a home, can affect your insurance needs.
Life Insurance…through the ages.
If only we could keep disasters like this in mind, how much future damage might we avoid? It is impossible to tell, but such mindful preparation would do much to protect our so-easily destroyed achievements. The role insurance has to play in this is obvious, especially for our friends in the property & casualty industry, who will have quite a few checks to sign once this is all over. But it is also true for the life and health world, too. Insurance has long been sold on the premise of how little we can foretell the future, especially the darker parts of it. And it is something people simply do not like to think about.