Available Products

Through our life insurance carrier relationships, AIP Marketing Alliance supports multiple life insurance products for independent wholesalers and agents. Based on your client needs, AIPMA can direct you toward:

• Permanent life insurance products (like whole life, universal life or indexed life) geared toward lifetime coverage, cash savings/accumulation investment component, and death benefits. For some permanent life policies, the policy owner may borrow against the policy tax-free;
• Term life insurance products focus more on protection for your dependent(s) and a death benefit payout to your dependent(s) over a specified period without building cash value.

Remember, a life insurance policy can replace a client’s lost income, pay for a home mortgage or other debts, cover funeral and burial costs, provide an education, support their retirement income needs, cover estate taxes, or even become a donation to their favorite charity organization.

Each client’s situation is different. AIPMA has an experienced Business Development team to discuss product differences, answer questions, and generate illustrations to help you show life insurance product options to your clients. Contact our Business Development Team at (800) 783-5206, Prompt 2 or marketing@aipma.com.

AIPMA Resources

• Lead Programs: Your one-stop-shop for high quality leads! As the leading independent distributor of life and health insurance leads and products, Integrity's centralized approach allows agents a platform for growth, connecting you with lead providers from a variety of sources. Register for Integrity's LeadCENTER with your NPN number. NOTE: You must be an agent contracted with AIP Marketing Alliance to use this resource.
• Website/Portal: Supported by AIPMA’s myAIP CRM, wholesalers can customize a website portal to provide secure access to AIPMA’s life insurance quote tools and resources.
• Term Quotes: Leveraging the iPipeline platform, you can generate comparable term life quotes and guaranteed universal life illustrations from multiple AIPMA contracted carriers using your PC, laptop or mobile device. You also can leverage AIPMA's Dynamic Quoting Tool through our Agent Tools. Dynamic Quoting is a unique quote and submission platform that leverages data to drive intelligent choices to offer one simple path for most term life insurance products.
• Single Premium Life Comparison Chart: This at-a-glance tool highlights the differences between AIPMA contracted carriers and their SPL products.
• Term Conversion Comparison Chart: This document compares Term Life Insurance products from AIPMA contracted carriers showing the years for minimum conversion period, conversion to any permanent product, conversion-only product or limited selection, optional rider changes conversion, and non-convertible level term duration.
• Questionnaires: AIPMA has developed white-labeled questionnaires designed to assist our contracted carriers during the application review process. We provide these documents to our members/agents that cover topics including medical conditions and lifestyle habits as a “pre-screen” concept.
• Life Policy Reviews: Typically, a planned or unscheduled “life event” also tends to affect a person’s or a family’s needs for life insurance. AIPMA provides life insurance policy reviews packets to help your clients assess their coverage option every few years. As your clients’ lives change, so do their needs for a life insurance product.

Life Insurance Statistics

• Overall, self-reported life insurance ownership has remained stable with 51% reporting they own at least one policy.*
• Gen Z uses social media over 50% of the time versus traditional company websites when researching financial or insurance topics.*
• The perceived cost is cited as the top barrier to purchasing life insurance. However, about three quarters (72%) overestimated the true cost of a basic term life insurance policy. Year after year, consumers greatly overestimate the cost of life insurance; notably over half of Gen Z and Millennials combined overestimate the cost at over three times its actual price.*
• The top 3 reasons for not owning life insurance (or more of it): 1. Too expensive; 2. Other financial priorities; 3. Not sure how much they need/what type to buy.*
• 42% of American adults say they need life insurance, or more of it, representing a life insurance need-gap for about 102 million adults. This is a two-point rise from 2021. *

*2024 Insurance Barometer Study, LIMRA and Life Happens