Bring top-rated life insurance to every client you already serve.
Banks, CPAs, broker-dealers and property & casualty agencies each reach hundreds of individuals and business owners. AIB gives you multi-carrier access, case design and full-service support, so a life insurance conversation never leaves your client without an answer.
Four kinds of firms, one need
Banks & credit unions
Add multi-carrier and advanced insurance solutions alongside your existing life insurance and investment products.
CPAs & tax advisors
Tax and estate conversations often uncover a coverage gap. Refer the insurance work and stay the client's trusted advisor.
Broker-dealers
Connect investment-focused advisors to advanced planning resources from partner insurance carriers.
Property & casualty agencies
Go beyond basic term and whole life with multiple carriers and more sophisticated solutions for commercial clients.
AIB's five-step process, behind your name
- 1QuoteTerm, universal and whole life quotes across carriers.
- 2Consult & compareAdvisor review of options before anything is submitted.
- 3Full servicePremium and death benefit analysis for the client's real needs.
- 4Advanced servicesOwner, insured, payor and beneficiary structuring; planning software.
- 5Qualified LifeTax strategies through employer retirement plans.
Two ways to partner: Brokerage or Total Source
A typical Advanced Group partner already serves a large base of business and commercial clients. Our partnership brings top-rated life insurance to those clients, and to new prospects who are a good fit for your firm.
Brokerage
No monthly fee and no dedicated sales agent. You sell; we handle the carriers.
- Top-rated carrier access and compensation
- Application processing, case underwriting and placement
- Quoting and submission through the AIB financial site
- Limited technology and software support
- No dedicated marketing campaigns or lead generation
Total Source
A dedicated life agent and marketing team working your book with you.
- Everything in Brokerage
- A dedicated life agent, with agent sales management
- Retail and commercial life insurance marketing campaigns
- Business leads exclusive to your firm, loaded in the CRM
- Weekly agent coaching, training and review
- LEAP Systems and MDRT Academy included
Start with the firm assessment
A short fact finder on your firm, your clients and your goals. It takes about 30 to 60 minutes. Download the fillable PDF, or complete it online.
Four parts, one program
Life insurance solutions
Carrier access, product guidance and marketing strategies by product type, plus disability income, long-term care, fixed and indexed annuities, income annuities and single premium life.
Agent development
Targeted internal and external sales activity, weekly coaching, advanced planning training, and point-of-sale help with presentations and closings.
CRM and outbound marketing
An AG-provided CRM and database with daily, weekly or monthly activity goals, loaded with business leads for your firm.
Financial software and systems
Quoting, case design, illustrations, carrier research and training tools, supported by AG.
How the lead flow works
- 1AG loads leadsBusiness leads are loaded into the AG-supported CRM for your firm.
- 2You scrub the listYour firm removes existing clients before the outbound campaign.
- 3You work your opportunitiesYour team works warm prospects for your firm's own opportunities.
- 4Life goes to the life agentLife insurance opportunities flip to your dedicated life agent.
Software and systems supported
| Software and systems | Used for |
|---|---|
| AIB financial site | Quoting, submission, content and training |
| AG tools | Case design and product research |
| WinFlex | Life insurance quoting |
| LEAP Systems | Client PSG modeling and client engagement |
| InsMark | Concept training and illustrations |
| VitalSigns | Carrier ratings, research and financials |
| MDRT Academy | Agency life insurance training and education |
We compare carriers on strength, not just price
The Comdex ranks each insurer against all other rated companies: a score of 95 means it rates higher than 95% of them. Core carriers we place business with:
| Carrier | Established | Comdex |
|---|---|---|
| Massachusetts Mutual Life | 1851 | 98 |
| Western & Southern Life | 1888 | 96 |
| Allianz Life of New York | 1982 | 96 |
| Pacific Life | 1982 | 94 |
| Prudential Insurance Co. of America | 1873 | 94 |
| Penn Mutual Life | 1847 | 93 |
Comdex rankings from VitalSigns, as of February 3, 2025. Ratings are subject to change.
Your clients, our carriers and case design
Tell us about your firm and the clients you serve. We'll show you how a partnership would work.