Our Carrier Relationships Expand Your Product Choices
By virtue of the many carrier relationships we have in our core markets, we also have access to their numerous product offerings and make them available to our agents. Access to these products is subject to state availability and includes:
Life built to fit
Term life is the most common, affordable and popular form of life insurance. We offer a number of simple and affordable coverage options – face amounts up to $400,000, level premium terms up to 30 years as well as a variety of underwriting and premium rate classifications and optional benefit riders to meet all of you clients your needs
Many people are looking for the price of Term but actually are hoping to purchase something they will never have to purchase again—which would be guaranteed whole life. No matter the need — whether it’s accumulation, wealth transfer, asset protection, wealth preservation or retirement income — we have options to meet your client’s needs. All products are selected by AIM to meet the market demands of competitive rates, strong guarantees and cash value build-up.
Most people acknowledge the need to be prepared and protected against unexpected life challenges such as serious illness, unemployment or death. Yet despite this recognition, many are ill-equipped to sustain their lifestyle while unable to work due to a disability. Disability income protection is a core component of any risk protection plan.
Dental / Vision / Hearing
We know the importance of dental, vision and hearing care and the impact these have on a person’s overall health. Many businesses, employees, self-employed and retired individuals in the U.S. are experiencing the effects of rising healthcare costs and reduced benefits. Coverage for vital areas such as dental, vision and hearing is often inadequate or in some cases, non-existent. Affordable coverage with meaningful benefits can be just what your clients need
Guaranteed renewable, individual coverage is for applicants age 18 -84. Covered expenses include:
• Dental services including examinations and cleanings, periodontal surgery, X-rays, fillings, bridges, crowns, dentures and out-patient surgeries.
• Basic eye examinations or eye refraction, eye glasses or contact lenses.
• Hearing examinations, hearing aids.
Coverage is guaranteed renewable and available to applicants age 18 -84.
Individual accident insurance is a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury – not just for emergency treatment, hospital stays and medical exams, but for other expenses you may face, such as transportation and lodging needs.
When you have a covered accident, your carrier will send cash benefits directly to you and you decide the best way to spend them. That’s all there is to it.
Medical advances have greatly improved the treatment and survival rates for cancer patients but with these advancements are higher costs in general and increased financial burden on individuals. Cancer insurance provides a lump-sum cash benefit, paid upon diagnosis, that can be used and way your clients choose. It can be a real life saver in such a time of need. It’s a growing market and is sure to grow even further. We have product options for applicants ages 18-79.
Covering funeral and burial costs is an important part of personal estate planning. Final expense insurance gives your loved ones the resources they need to acknowledge your role in their lives. Final expense insurance offers an affordable way to provide for these costs, so that family and friends can celebrate your life without financial obligations.
Even with the best primary insurance plan, your client’s out-of-pocket costs from a hospital stay can add up quickly. Health care reform isn’t going to improve the situation. You can help your clients to be better prepared with a supplemental Hospital Indemnity policy that pays a set amount – per day, per week, per month– if they are confined in a hospital.