LIVING BENEFITS

Term insurance your clients can use while living

Low cost 10, 15, 20, 30, and 40 year term that includes critical illness, chronic illness, long term care, and terminal illness living benefits, plus an unemployment rider based on state availability.

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01 · THE GAP IN AN ORDINARY TERM POLICY

Two questions every client should be asked

A traditional term policy only pays when the insured dies. These living benefits change that. Put the case in front of a client with two simple questions.

01 Where would the money come from?

Where could a client access a bucket of money, up to $500,000, in the event of a heart attack, stroke, or a diagnosis of cancer... or in the event of a chronic illness such as a long term care event? From a banker or a stockbroker who handles a brokerage account? Not likely.

02 What does today's term policy do?

If a client had a critical or chronic event and did not die, what would the term policy they carry right now do for them? If the answer is nothing, they need this product.

02 · WHAT IS INCLUDED

Living benefits built into the policy

Access to a portion of the death benefit while the insured is still living, triggered by qualifying health events rather than death alone.

CI Critical Illness Living Benefit

Access to funds after a qualifying critical event such as a heart attack, stroke, or a diagnosis of cancer.

CH Chronic Illness Living Benefit

Support when the insured faces a chronic condition, including a long term care event.

LT Long Term Care Benefit

Coverage that steps in for extended care needs, without the client having to buy a separate standalone policy.

TI Terminal Illness Benefit

Early access to the death benefit following a qualifying terminal diagnosis.

UR Unemployment Rider

Added protection during a period of job loss, based on state availability.

03 · TERM OPTIONS

Low cost term across five durations

Match the term length to the client's need, from a short window to a multi decade commitment, with living benefits carried the whole way.

10 year term 15 year term 20 year term 30 year term 40 year term

04 · PRODUCER RESOURCES

Everything you need to write the case

Contracted producers get the full kit to present, quote, and market living benefits with confidence.

Producer guide State availability Underwriting guide Quick facts Consumer guide, English and Spanish Accelerated underwriting toolkit Product information videos Customizable drip marketing materials

Ready to offer living benefits your clients can actually use?

Get contracted with Brokers Alliance and put term insurance with critical, chronic, long term care, and terminal illness living benefits in front of your clients. Independently owned since 1982. Call (866) 872-9394.

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