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Protection in case you die. Protection in case you don't.
At Alliance Group, our mission is to educate Americans about a little-known new kind of life insurance that more fully protects you and those you care about most. Come learn about Living Benefits with us!
Better in Every Way
There's a long list of triggering events that could allow you to access crucial money from your life insurance policy - while you're still alive.
Money When You Need it Most
...not just in case you die. If you get seriously sick or injured, Living Benefits money can be used to replace your income while you recover, pay for the best treatment available, and get you back on your feet.
More For The Same Price
Living Benefits give you more options, more flexibility, and more protection - all for the same price as an old-fashioned life insurance policy that only pays out if you die. It's a no-brainer.
145,000
$30B+
$500M+
More Protection. More Access. More Options. Same Price.
Living Benefits sound great... so what's the catch?
What triggers a Living Benefits life insurance policy to pay out? How does "death benefit acceleration" work? What options do clients have during the claims process? Watch our award-winning explainer video to dive into the details of Living Benefits.
Learn how Living Benefits life insurance policies use "accelerated benefit riders" to empower clients to gain access to their policy's death benefit while they're still alive. In the above video, we use the real-life example of one of our clients who received $343,000 from her $405,000 Term policy after a surprise cancer diagnosis.
- Connor Niebrugge
- Elisabeth Holland
- Joseph Lucas
Living Benefits life insurance is a versatile tool that can be utilized to solve a variety of planning puzzles across the financial spectrum.
Living Benefits protect you and the ones you love most with life insurance you don't have to die to use.
Key person coverage, buy-sell agreements, and more. Protect your business with modern coverage designed to solve modern problems.
Just married? Give your spouse the gift of a lifetime of peace of mind.
Is your largest personal debt secured with mortgage protection insurance? If not, we can help fix that.
It's never too early to secure Living Benefits for your golden years.
High net worth individuals can benefit from specialized Living Benefits solutions designed to grow and protect wealth.
Learn how to take advantage of special IRS allowances to fund a happy, healthy, tax-free retirement.
Life insurance is cheapest when you're young! The sooner you're protected, the better.
Save money on estate taxes and avoid unnecessary headaches for you and your heirs with Living Benefits life insurance.
Living Benefits life insurance provides a unique opportunity to save for your kids' college costs.
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When Annie and her husband bought their first life insurance policies shortly after getting married, they were able to purchase a cheap life insurance policy online through a quoting engine. Annie and her husband felt at ease knowing that they had protection in place, just in case the worst occurred.
It wasn't until years later that a family friend introduced them to a new, modern twist on life insurance - Living Benefits. After taking some time to learn about the concept, Annie instantly recognized the value of having financial protection for dozens of "what-ifs" other than just death - especially since it didn't cost her and her husband anything extra to have the Living Benefits options. Two years later, Annie's decision to switch from a traditional policy to a Living Benefits policy proved to be a crucial one. A surprise Stage 3 breast cancer diagnosis activated the Living Benefits options in her policy, and she was able to get $280,000 in her hands immediately. Under her old policy, she would not have received a dime - after all, she was still alive!
That money took all of the financial worries out of Annie's equation. She still had a battle to fight as she navigated time off work and cancer treatments, but having that Living Benefits money in her bank account made a world of difference for her and her family. She could take her time recovering before heading back to work. She could explore the very best treatment options for her illness, without worrying about what her health insurance would cover.
