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Protect Your Family's Future

Life Insurance enables you to take care of your loved ones should the unthinkable happen to you.


What is Life Insurance?

Life insurance pays a specified sum to your beneficiaries upon your death. While its death benefit is its primary purpose, life insurance may also be used to meet other personal, business, and estate objectives.

In all cases, life insurance should be designed to replace the insured's Human Life Value, which is measured by your current and future earning potential. 


Types of Life Insurance

Any life insurance policy will financially provide for your beneficiaries; however, different forms of coverage offer unique benefits.


Whole Life 

Whole Life 

As a form of permanent life insurance, whole life provides lifetime guaranteed protection. It also accrues cash value. 

Learn about Whole Life
Term Life 

Term Life 

This type of life insurance can last from 10 to 30 years. Typically, it's more affordable than permanent coverage and can often be converted into a permanent policy. 

Get a Term Quote
Universal Life 

Universal Life 

Universal life offers the same benefits as whole life while providing monthly premium payment flexibility should job changes impact your financial station.  

Contact an Agent

Why International Planning Alliance

Our Financial Strength, our commitment to being Prepared for the Unexpected, and our dedicated team of insurance agents and financial advisors ensures that we are well-positioned to put your insurance planning needs first.


Additional Life Insurance Insights

Learn more about life insurance by way of a sampling of our educational content. 

Assess Your Life Insurance Needs

Assess Your Life Insurance Needs

If your family relies on your income, it’s critical to consider having enough life insurance to provide for them after you pass away. 

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Millennials and Life Insurance

Millennials and Life Insurance

This infographic can assist you in answering your adult child's most commonly asked questions pertaining to life insurance.

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Insurance Needs of Small Business Owners

Insurance Needs of Small Business Owners

Having adequate protection can help your business succeed, while protecting you and your family from financial risk.

Learn more

Have a Life Insurance Question? Ask! An IPA insurance agent will be in touch.

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Disclosures:

All whole life insurance policy guarantees are subject to the timely payment of all required premiums and the claims-paying ability of the issuing insurance company.

Some whole life policies do not have cash values in the first two years of the policy and don't pay a dividend until the policy's third year. Talk to your financial representative and refer to your individual whole life policy illustration for more information

Universal Life Insurance may lapse prematurely due to inadequate funding (low or no premium), increase in cost of insurance rates as the insured grows older, and a low interest crediting rate. This does not apply to universal life policies which have a secondary guarantee, but if the secondary guarantee requirements are not met, the policy will most likely lapse.