TERM LIFE · LIVING BENEFITS

Low-cost term that pays while your client is still living.

Ten to forty year term with chronic, critical, and terminal illness benefits built in. When a qualifying illness hits, your client can accelerate a portion of the death benefit and use the money when it matters most, not only after a claim is settled.

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01 · THE PRODUCT

One term policy, three living benefits.

Brokers Alliance is a leading source for low-cost 10, 15, 20, 30, and 40 year term insurance that includes accelerated living benefits. If your client is diagnosed with a qualifying chronic, critical, or terminal illness, they can accelerate up to 95 percent of the death benefit and put the money toward treatment, income, care, or the mortgage ... their call.

CH Chronic Illness Benefit

Access a portion of the death benefit when your client can no longer perform the activities of daily living, without draining savings to pay for care.

CR Critical Illness Benefit

A qualifying critical diagnosis, a heart attack, stroke, or cancer among them, can trigger an accelerated payout while your client is still in the fight.

TE Terminal Illness Benefit

A terminal diagnosis lets your client bring the death benefit forward, so the family has resources now instead of waiting.

10 · 15 · 20 · 30 · 40 year term Accelerate up to 95% Chronic · Critical · Terminal (866) 872-9394

02 · WHY IT MATTERS

The odds your client will need it.

Living benefits have become far more important to today's buyer, and the reason is in the numbers. A term policy that only pays a death claim leaves the hardest years unfunded. These are the years living benefits are built for.

80%

of older adults have at least one chronic disease, and 70 percent have at least two.

43%

of people who need long term care are under the age of 65.

$360,000

expected healthcare costs for a healthy couple retiring at 65 years old.

$12,000

out-of-pocket cost some patients may face for a single cancer drug.

76.7%

of patients survive a first-time stroke past six months, often requiring long term care.

$48,000

yearly cost of long term care at an assisted living facility.

03 · HOW IT ISSUES

Non-med simplified issue, even in California.

Not every case needs an exam. Simplified issue non-med gets your client approved fast up to a real face amount, and the fully underwritten path opens the full shelf when the case calls for more. You quote and compare both in one place.

SI Simplified Issue Non-Med

Up to $400,000 with no medical exam, and available even in California. The fast lane for clients who want coverage without the paramed visit.

FU Fully Underwritten

When your client needs a larger face amount, full underwriting opens the complete term with living benefits shelf at its most competitive pricing.

CA Competitive Analysis

A side-by-side comparison of the top carriers, in both a non-med and a fully underwritten version, so you place the right one for each client and state.

04 · CARRIERS

The living benefits shelf.

Our competitive analysis lines up the top term with living benefit carriers side by side. California rules vary by carrier, so the caveats that matter are called out below rather than buried in a brochure.

AIG QoL

Ameritas

ANICO

CA: critical and terminal only

Foresters

LSW / National Life Group

Mutual of Omaha

Not approved in CA

North American

CA: chronic and terminal only

Transamerica

05 · TOOLS AND SUPPORT

Quote, e-App, and drop a ticket in two clicks.

Everything runs free inside myAdvisor Cloud. Run term, GUL, simplified issue, and final expense quotes, start e-Apps, drop tickets, or download paper applications ... all from one login. When the case gets complicated, our team runs the competitive analysis and stays with it through underwriting.

Term · GUL · Simplified Issue · Final Expense quoting Start e-Apps Drop tickets Paper applications One login, no cost Hands-on case support

Ready to add living benefits to your term sales?

Get contracted with Brokers Alliance and put low-cost term with chronic, critical, and terminal illness benefits, plus the tools and case support behind it, in front of your next client. Call (866) 872-9394 or reach out below.

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