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Ai Merchantry Life is a comprehensive protection and planning platform designed to help financial professionals integrate life insurance into a client’s long-term financial strategy with confidence and care. Backed by industry-leading carriers, living benefit solutions, and a full suite of digital tools and expert-led training, Ai Merchantry Life equips advisors to deliver meaningful protection, long-term care coverage, and tax-smart planning—all within a values-driven, client-first experience rooted in education, clarity, and lasting impact.
Term life insurance is affordable and covers you for a set time, like 10, 20, or 30 years. It pays money to your family if you pass away during that time. Many people use it to protect their mortgage, replace lost income, or cover student loans. It’s great protection while you’re in your working years or raising children. Some policies come with living benefits, which let you access money early if you’re diagnosed with a serious illness like cancer, heart attack, or stroke. You can also bundle it with a small whole life policy to cover final expenses like funeral costs.
Whole life insurance lasts your entire life and builds cash value over time. It’s good for funeral planning or leaving money to your family as a legacy. Some plans come with living benefits or offer early access to your cash value during a health crisis. You can also use it to help with retirement or unexpected expenses later in life.
IUL is a life insurance plan that protects your family and helps you grow money based on the market. It builds cash value and offers tax-free income options. It’s great for college planning or retirement savings. Most IUL's include strong living benefits, so if you become seriously ill, you can use part of your coverage while you’re alive.
Universal life insurance gives you lifelong protection with flexible payments. You can change your premiums or coverage over time. It builds cash value you can use for retirement or emergencies. Many universal life policies come with living benefits to help cover costs if you face a major illness.
Annuities turn your savings into guaranteed retirement income. You can choose a fixed annuity for steady growth or an indexed annuity for market potential. Some annuities now include optional living benefit riders that offer long-term care or guaranteed income even if your account runs out. They’re great for longevity planning and financial security.