What Life Insurance Options Are Available Through IAMS?
IAMS (Insurance Agency Marketing Services, Inc.) provides a comprehensive suite of life insurance products designed to help producers meet a wide variety of client needs—from basic income protection to long‑term legacy planning. Producers working through IAMS gain access to term life, whole life, and universal life insurance products, along with tools and support to structure cases effectively.
1. Term Life Insurance
Term life insurance offers clients cost‑effective protection for a fixed period, making it one of the most popular solutions for families, mortgage protection, and income replacement planning.
IAMS supports producers with term life by offering:
- Access to multiple top carriers
- Competitive product options
- Quote request tools and underwriting resources
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Term life is often the foundation of many clients’ protection strategies, and IAMS provides the tools to help producers deliver the best possible solutions.
2. Whole Life Insurance
Whole life insurance provides permanent protection with guaranteed premiums, guaranteed death benefits, and cash value accumulation. It is ideal for clients seeking long‑term stability and predictable growth.
IAMS offers whole life products across various carriers and supports producers with:
- Product information and comparison tools
- Underwriting guidelines
- Case design assistance
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These resources help agents position whole life effectively for estate planning, wealth transfer, and long‑term financial strategies.
3. Universal Life Insurance
Universal life insurance provides flexible premiums, adjustable death benefits, and long‑term cash value potential. It is often selected for clients needing adaptable solutions for evolving financial goals.
Through IAMS, producers can access:
- Universal life products across multiple carrier lines
- Product specifications and search tools
- Electronic application (e‑App) capabilities through iGo e‑App
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IAMS’ support ensures that producers can tailor universal life policies to meet both current and future client needs.
4. Tools & Resources That Support Life Insurance Sales
In addition to product access, IAMS provides robust tools that help producers stay competitive:
- Product comparison tools
- Quote request forms
- Underwriting requirement guides
- iGo e‑App for streamlined applications
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These resources allow agents to structure cases efficiently and present carrier‑accurate illustrations and recommendations.
Conclusion
IAMS offers a wide range of life insurance solutions—including term life, whole life, and universal life—supported by robust tools, product expertise, and streamlined application technology. This comprehensive suite enables producers to confidently address client needs across protection planning, wealth transfer, and long‑term financial strategy.