Longevity Alliance is an independent agency specializing in Life Insurance. You may contact a knowledgeable representative by phone or email to discuss your needs. There is no cost or obligation to you. We have been in business since 1997, with over 110,000 life, health and long term care policies sold to date.
Protect Your Family
Life Insurance is an affordable way to make sure your family has the necessary financial resources if something happens to you.
Longevity Alliance makes it easy for you to protect those you love with Life Insurance. Our process is easy and our Life Insurance is affordable. We work with the top Life Insurance companies nationwide to provide you with free Life Insurance quotes which allow you to compare the plans and rates of various policies.
Our licensed agents will offer advice on the right plan and benefit level, provide a free life quote and when you are ready, help you apply for your Life Insurance policy.
Term Life Insurance is the least expensive Life Insurance product. The coverage is for a specific time period of 10, 15, 20 or even 30 years. People purchase term Life Insurance when they need a large face value for a limited time period, perhaps until the children are out of school or the mortgage is paid off. It will not gain cash value and you cannot borrow against it. At the end of the agreed upon term, you will usually have the opportunity to convert part or all of the policy to Permanent Insurance.
Permanent Life Insurance policies are generally designed to stay in force for your lifetime as long as you pay premiums. Most policies mature at age 100 or 120, and if you live that long, the company will send you a check for the full face value of the policy. The two main types of Permanent Life Insurance are Whole and Universal Life policies. Whole Life Insurance provides you with the certainty of a guaranteed amount of death benefit and a guaranteed rate of return on your cash value. And you will have a level premium that is guaranteed to never increase for life. Universal Life offers adjustable premiums that give you the option to make higher premium payments when you have extra cash on hand or lower ones when money is tight.
Final Expense / Burial Life Insurance is designed to cover the bills that your loved ones will face after your death such as medical bills and funeral expenses.
Annuities are an insurance investment product that is designed to accept and grow funds from an individual, tax-deferred, until the funds are withdrawn from the account. The Insurance company agrees to provide either a regular stream of income, the right to withdraw up to a certain percentage per year, or even a lump sum payment at some future time (generally, once you retire or pass age 59 ½).