Life Insurance
Each day, more consumers are understanding the value of life insurance as this product has diversified over time. With different uses, life insurance can leave a legacy, pay for potential long-term care, and even be used as a loan if an unforeseen, tragic life event occurs. That's why AIP Marketing Alliance has focused on contracting with top-rated insurance carriers to find products that fit almost every situation possible.
Life Insurance
Each day, more consumers are understanding the value of life insurance as this product has diversified over time. With different uses, life insurance can leave a legacy, pay for potential long-term care, and even be used as a loan if an unforeseen, tragic life event occurs. That's why AIP Marketing Alliance has focused on contracting with top-rated insurance carriers to find products that fit almost every situation possible.
Life Insurance Trends
- 40% of American adults believe they need more life insurance, representing close to 100 million adults.*
- 40% of adults say their loved ones would be barely or not at all financially secure should the primary wage earner die unexpectedly.*
- Nearly half (47%) of adults say they would have trouble paying living expenses within six months of their primary wage earner’s death.*
- Three quarters of women overestimate the cost of life insurance, most by 3–5 times the actual amount. More than half (54%) say their estimates come from a “gut feeling” or “wild guess.”*
- 84% of Gen Z adults say they use social media to get information and recommendations on financial products like life insurance.*
How can AIPMA help you sell to this growing consumer market and better target your clients?
*2025 Insurance Barometer Study, LIMRA and Life Happens
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 [email protected].
AIPMA Resources
- Lead Programs: lntegrityCONNECT™ is the all-in-one platform that connects you to everything that matters - so you can work smarter, not harder. Integrity's centralized approach allows agents a platform for growth by connecting you with lead providers from a variety of sources. Register for IntegrityCONNECT with your NPN number or contact AIPMA for assistance. 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
- Why aren’t more people covered with life insurance? 33% have other financial priorities and 22% are not sure how much or what to get.*
- Almost a quarter of Americans say they haven’t purchased life insurance because they don’t know how much they need or what type to buy.*
- 43% of women say they need or need more life insurance. This represents approximately 52 million adults.*
- Men continue to be more likely than women to report owning life insurance: 54% versus 48%.*
- Nearly a quarter of Gen Z adults (23%) say that they don’t buy life insurance because they haven’t been approached by a life insurance agent.*
*2025 Insurance Barometer Study, LIMRA and Life Happens
Are You Looking for a Specific Life Insurance Carrier?
AIP Marketing Alliance is contracted with more than 70 insurance carriers (and growing!) so we can help you and your downline agents find a life insurance carrier. Our Case Management team can help guide you through the electronic contracting process.
Contact us at [email protected] or give us a call (800) 783-5206
Is Your Agency Selling Life Insurance Products?
Why not? By adding a new product line, your agents can see how cross-selling to current clients also can attract prospects. AIPMA will work with you and your agents to get them contracted to sell life insurance. Simply click the button to the right to schedule a conversation with our Vice President of Business Development, Chris Howe.
Contact Us
800.783.5206
2041 E. Square Lake Road, Suite 100, Troy, Michigan 48085-3897
About Us
For more than 40 years, AIP Marketing Alliance (AIPMA), an Integrity Company, serves as a premier life insurance and annuity distribution partner to provide full-service support to independent wholesalers, brokerages and agents from our Troy, Michigan office. NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR THE MEDICARE PROGRAM. Copyright 2025