Term products are some of the lowest cost forms of life insurance and Brokers Alliance has grown to be a top term life insurance brokerage in the industry. Our term life insurance services and technology have allowed us to innovate the term life insurance underwriting process. Today it’s easy to provide your clients term life insurance options that are not only competitively priced, but provide “simple underwriting” processes. Learn more about our Term Life products and access our term life insurance quote calculator, exclusive products, sales concepts, and term life insurance training tools:

Learn more about Brokers Alliance®’s exclusive products on our myAdvisor Cloud (MAC):

Non-Med Term with Living Benefits (even in CA!) Get Contracted Through myAdvisor Cloud Now!

Living Benefits have become more important to today’s consumer and it’s important to present options.  With this term with living benefits product, your clients can have additional protection with their policy to cover Critical, Chronic, and Terminal Illness.

• Simplified Issue Non-Med up to $400,000
• Accelerate up to 95% for qualified Critical, Chronic, or Terminal Illness

Frequently Asked Questions

What is term life insurance?

Term life insurance provides a death benefit for a set period, commonly ten, twenty, or thirty years, at a level premium for the term. It has no cash value and is the most affordable way for a client to cover a temporary need such as income replacement or a mortgage.

When should an agent recommend term over permanent coverage?

Term fits a defined, time-limited need: replacing income while children are young, covering a mortgage, or protecting a business loan. Many clients are best served by a layered approach, and a convertible term policy lets the client move to permanent coverage later without new underwriting.

What is a conversion option and why does it matter?

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

Does Brokers Alliance charge agents a fee to sell term life?

No. There is no contracting fee, no platform fee, and no monthly cost. Contracting is free and open, and Brokers Alliance is paid through standard carrier commissions, not by the agent.