When the business depends on the owner.

A family business can represent years of hard work, a source of income and something the owner hopes to pass on. When the business depends heavily on the owner, both the business and the family that depends on it can be financially vulnerable if that person dies.

See it?
Look for a small business where the owner is central to keeping things running. They may be the person who brings in customers, manages key relationships, makes the major decisions or simply knows how everything gets done. Their family may also depend on the business for much of its income. The clue: If the owner weren’t there tomorrow, what would happen to the business and the family that depends on it?

Why it matters.
An unexpected death can put both the business and the owner’s family under financial pressure. Life insurance can provide funds to help cover immediate obligations, replace income and give the family more flexibility to determine what comes next for the business.

Why Assurity?
Term Life with optional Return of Premium benefit^* provides protection during critical business-building years, with the potential to return up to 100% of premiums paid if the owner outlives the term.

That money could be reinvested in the business, used for future growth or put toward other priorities.

* Optional Return of Premium benefit provided under the Endowment Benefit Rider (ROP Rider in some states). Only available on 20- and 30-year term policies. Premiums paid for any other optional riders are not returned. Endowment Benefit Rider (ROP) returns a percentage of premiums paid for the term life base policy and premiums paid for the Endowment Benefit Rider (ROP), less any benefits paid.

When a client is nearing retirement with years left on the mortgage.

For many people, retirement no longer means the mortgage is paid off. A client may be preparing to leave the workforce while still facing years of monthly house payments, creating a protection need that can be easy to overlook.

See it?
Look for clients approaching retirement whose mortgage payoff date extends well beyond their working years. They may be focused on whether they’ve saved enough for retirement without considering what would happen to the mortgage if one spouse or partner died. The clue: Retirement is approaching. The mortgage payoff date isn’t.

Why it matters
A mortgage payment that feels manageable today can become a significant burden after the loss of a spouse or partner, especially when the surviving partner is living on retirement income. Coverage can provide funds to help pay off or reduce the mortgage, helping the surviving partner stay in the home without putting additional pressure on retirement income and savings.

Why Assurity?
Our 10- and 15-year Term Life provides accessible, low-friction coverage options for clients approaching retirement who need protection for a specified period. 

When a client is living and working in the U.S. without permanent residency.

People come to the U.S. to build careers, raise families and create a future. Along the way, they take on many of the same financial responsibilities and protection needs as anyone else. But without permanent residency, finding life insurance coverage can be more challenging. 

See it?
Look for clients who are living and working in the U.S. but aren't yet U.S. citizens or permanent residents. They may have established roots here, with a career, a home, a business or a family that depends on them, but assume their residency status limits their coverage options. The clue: Their protection needs look like those of any other family. Their life insurance options may not.

Why it matters
As clients establish their lives in the U.S., their financial responsibilities grow with them. A spouse, children, mortgage, business or other obligations can create a very real need for protection, regardless of residency status. Without coverage, the people who depend on them could be left managing those responsibilities on their own.

Why Assurity?
Assurity is one of the few carriers with a dedicated Middle Market Foreign Resident Program, with Term Life and Whole Life options for eligible clients. That gives eligible clients a range of options to help protect the people and financial responsibilities that are part of the life they’re building in the U.S.

When a parent or grandparent wants to put lifelong protection in place for a child.

Parents and grandparents are always looking for ways to give children a strong start in life. Putting coverage in place while they’re young can provide protection designed to stay with them through the milestones still ahead.

See it?
Look for parents and grandparents who are thinking about a child’s future. They may be saving for college, contributing to a financial account or simply looking for a meaningful gift that can have an impact long after the next birthday or holiday. The clue: The easiest and most affordable time to put lifelong protection in place may be while a child is young.

Why it matters
Putting permanent coverage in place while a child is young can help protect future insurability if their health changes later.

Why Assurity?
Assurity makes Children’s Whole Life especially easy.
    • 3 health questions
    • 95% auto-decisioned
    • Up to $100,000 in coverage with no financial documentation
    • Grandparents can complete the application

When a client wants permanent protection to cover everyday financial obligations.

Many individuals and families don’t need a large policy or a complex financial strategy. They simply want permanent protection to help the people they love manage the financial responsibilities of everyday life.

See it?
Look for clients who have people depending on them and everyday financial responsibilities their income helps support. They may be paying the mortgage or rent, covering car payments and household bills, raising a family or simply contributing income their household depends on. The clue: They may not need a complex financial strategy. They just want to make sure their obligations are covered.

Why it matters
A mortgage or rent, debt, funeral expenses and other everyday financial responsibilities don’t disappear when someone dies. If others depend on the client’s income, the financial impact extends to them, too.

Why Assurity?
Whole Life offers permanent death benefit protection with competitive pricing for clients with straightforward coverage needs.