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Life Insurance
At Alliance Global Insurance Group, we believe life insurance is more than a policy—it’s a
promise to protect your loved ones financially when they need it most. Whether you’re just
starting a family, planning for retirement, or running a business, we’ll help you find a life
insurance solution that fits your goals.
What Is Life Insurance?
Life insurance provides a tax-free payout (called a death benefit) to your chosen
beneficiaries if you pass away while the policy is active. That money can be used to:
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Replace lost income
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Cover funeral or medical expenses
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Pay off debt, like a mortgage
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Fund children’s education
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Support your business or estate plan
Types of Life Insurance We Offer
Term Life Insurance
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Affordable protection for a set period (10, 20, or 30 years)
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Fixed premiums and guaranteed payout
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Great for income replacement and young families
Whole Life Insurance
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Permanent coverage that never expires
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Builds guaranteed cash value over time
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Ideal for long-term financial planning and estate protection
Universal Life Insurance
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Flexible coverage with adjustable premiums and benefits
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Accumulates cash value with potential interest growth
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Can be tailored to changing life stages
Business Life Insurance
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Key person insurance
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Buy-sell agreements
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Executive bonus plans
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Great for business continuity and planning
Why Life Insurance Matters
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Protects your family from financial hardship
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Covers final expenses and outstanding debts
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Offers peace of mind—no matter what happens
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Can build tax-advantaged savings
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Helps businesses prepare for the unexpected
Who Needs Life Insurance?
Life insurance is important for:
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Parents with children or dependents
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Homeowners with a mortgage
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Business owners or partners
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Individuals planning for estate taxes or retirement
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Anyone wanting to leave a financial legacy
How Much Coverage Do I Need?
The right amount depends on your:
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Income and debts
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Lifestyle and family needs
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Future goals (education, retirement)
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Existing savings or policies
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