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United Agents Alliance provides a wide variety of niche products designed
to complete your portfolio.
- Deposit Term & Accumulation Products
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Our line of accumulation products include the Deposit Term as well as modified terms and a modified Whole Life as well. These products combine the protection of life insurance with the convenience of a cash accumulation vehicle. Some of these vehicles are also Roth IRA qualified for a potential totally tax free accumulation.
- Senior Products
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One of the most difficult times to find an insurance plan that will
cover your prospect can be when they are reaching their retirement years.
United Agents Alliance offers plans that issue insurance up to age 85 with
simplified issue underwriting.
- Critical Illness Plans
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One of the most crippling costs financially can be unexpected medical bills. A critical illness plan is a great way to supplement major medical insurance. This can help provide funds for high deductibles, uncovered medicines, and most of all income lost from work.
- Simplified Issue Term with Return of
Premiums
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For express underwriting, simplified issue is the way to go. Underwriting usually takes just two to three days, and your client does not have to be in the best of health. With the return of premium plans, the simplified issue term is an outstanding option. When the premiums are paid back at the end of the term, it creates an extremely low cost plan.
- Single Premium Whole Life
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Often annuities are a great way of investing money, however if your client is looking to build an immediate estate, a Single Premium Whole Life plan is a great alternative. This allows your client to have an immediate death benefit, thereby increasing their estate while still providing the availability of most of the cash invested within just one year with outstanding liquidity and growth potential.
- Guaranteed Issue Whole Life
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There are times when clients will be turned down due to a problematic health issue. Agents are usually upset with not being able to help their client, and clients become upset because they could not purchase life insurance. This product provides life insurance … no questions asked.
- Universal Life
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Along with the niche products above, we also have two unique Universal Life products available.
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