In the dynamic life insurance landscape, providing distinctive and valuable products is key to standing out. Diversifying your portfolio with guaranteed-issue and simplified-issue term life insurance not only secures your clients with coverage they need but also enhances your ability to meet a broader range of client needs.

Successful agents represent a range of carriers and products that present solutions for every potential circumstance. Traditional term life insurance and final expense plans serve essential roles, but they often come with limitations in eligibility, coverage scope, and customer experience. Expanding your portfolio to include products that address these gaps is essential in remaining competitive and relevant.

AHCP is proud to offer USA+ ValULife, an exclusive opportunity, empowering agents with unparalleled flexibility in their life insurance portfolios.

Why Choose ValULife?

Competitive Edge in the Term Life Market: ValULife stands out by combining the affordability of term life insurance with the ease of enrollment typical of less comprehensive plans. It offers a unique balance between coverage and simplicity that is not commonly found in traditional term life policies that require extensive underwriting.

Enhanced Accessibility: ValULife offers two options – simplified issue up to $250K and guaranteed issue up to $75K, allowing you to effectively reach underserved markets, including younger clients or those with health concerns who are typically denied or penalized by traditional underwriting processes. 

Rapid Application Processes: ValULife’s streamlined application process requires less time than it takes to make your morning coffee. There are no health questions for the GI levels and only two knock-out questions for the SI levels. A swift e-Signature leads to immediate policy approval and issuance. This is a strong selling point in a market where speed can greatly enhance customer satisfaction and agent productivity.

Comparison to Final Expense Insurance: Unlike final expense insurance, which typically offers smaller face amounts that focus on funeral costs, ValULife provides substantial coverage options that can support broader financial needs such as mortgages, education, and debt management. This makes it an excellent alternative for clients seeking more significant protection without the complexity of full underwriting.

Level Commissions: ValULife rewards agents with level commissions for the life of the policy, promoting long-term client relationships and dependable earnings.

Market Exclusivity: The exclusivity of offering ValULife through AHCP can be a powerful differentiator for agents, allowing them to provide a unique product that isn't available through other channels.

Additional Benefits: Benefits like identity theft protection and emergency air rescue services not only enhances the value of the insurance package but also improves overall customer satisfaction by providing peace of mind and added security.

USA+ ValULife is more than just term life insurance; it's a versatile solution designed for modern insurance needs.

Get Started Today

For more information on how ValULife can transform your insurance offerings and benefit your clients, please contact our agent support team at 877-228-8773 or email us at Contracting@AHCPsales.com.