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 Marketing'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.
• 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.

Facts/Trends About Life Insurance

• 68% of life insurance owners feel financially secure compared to 47% of non-owners of life insurance.*
• More than half of the population believes term life insurance is three times more expensive than it is.*
• Nearly 4 in 10 middle-income Americans believe they don’t have enough life insurance coverage.*
• 48% of Americans say they are more likely to buy life insurance through automated/accelerated underwriting.*
• 47% of Millennials believe that they need (or need more) life insurance coverage, representing a market opportunity of 34 million adults.*
• More than half of mothers in the U.S.—26 million women—are living with a life insurance coverage gap.*

*2022 Insurance Barometer Study, LIMRA and Life Happens