TERM LIFE INSURANCE

The most affordable way to cover a temporary need

Term life pays a level death benefit for a set period... ten, twenty, or thirty years... at a premium that stays fixed for the term. Brokers Alliance gives you the quoting tools, the underwriting support, and a deep term carrier lineup to place the case fast.

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01 · THE PRODUCT

What term life is

Straightforward coverage for a defined window. No cash value, no moving parts... just a death benefit priced to fit the need and the budget.

10A set period

Coverage runs for the term the client chooses, most commonly ten, twenty, or thirty years, then ends. It is built for a need with an end date.

$A level premium

The premium is locked for the length of the term. Term is some of the lowest cost life insurance available, which is why it wins on price.

DBPure death benefit

There is no cash value to manage. The client pays for protection and nothing else, which keeps the cost down and the sale simple.

02 · THE FIT

When term is the right call

Term fits a defined, time-limited need. When the obligation has a horizon, the coverage should match it.

Income replacement while children are young Covering a mortgage Protecting a business loan Layering coverage over a permanent base

CVConvertible by design

A convertible term policy lets the client move to permanent coverage later without new underwriting. Sell the need today, keep the door open for tomorrow.

→The conversion privilege

A conversion option lets the policyowner convert to permanent coverage with the same carrier without proving insurability again. It protects the client whose health changes... and it gives you a built-in reason to revisit the case before the term ends.

03 · LIVING BENEFITS

Non-Med Term with living benefits

Living benefits matter to today's client, and it is worth presenting the option. This exclusive term product adds protection for Critical, Chronic, and Terminal Illness... available even in California, on our myAdvisor Cloud platform.

SISimplified Issue, Non-Med

Simplified Issue Non-Med coverage up to $400,000. No exam on qualifying cases means a faster path from application to placed business.

95Accelerate up to 95%

Qualified Critical, Chronic, or Terminal Illness can accelerate up to 95% of the death benefit while the client is still living, when they need it most.

CAEven in California

This term with living benefits product is available in CA, a state that often blocks these riders. That is a real differentiator on the right case.

04 · CARRIERS

A deep term lineup

Brokers Alliance has grown into a top term brokerage. Shop the case across a broad panel of term carriers and place it where it prices best.

American General Assurity Life Banner Brighthouse Fidelity Life Foresters Lincoln Financial Life of the Southwest / National Life Minnesota Life National Western North American Pacific Life Principal Protective Life Prudential Sagicor SBLI Transamerica United of Omaha William Penn / John Hancock

05 · HOW WE SUPPORT THE CASE

Quote it, place it, keep the commission

Brokers Alliance has been independently owned since 1982, working with agents, agencies, and other IMOs across a deep panel of term carriers. We back the term sale end to end.

QTQuote in one place

Run term quotes and start the sale from a single platform. Compare the panel, pick the carrier, move the case forward without hunting across portals.

UWUnderwriting support

Our term services and technology have simplified the underwriting process. We help you position the case so it is priced competitively and issued cleanly.

$0No fees, ever

No contracting fee, no platform fee, no monthly cost. Contracting is free and open, and Brokers Alliance is paid through standard carrier commissions... not by you. Questions? Call (866) 872-9394.

Ready to place your next term case?

Get contracted with Brokers Alliance and put the quoting tools, the living-benefit product, and a deep term carrier lineup to work. Contracting is free.

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