SERVING FAMILIES WITH THEIR INSURANCE NEEDS SINCE 2002
The Alliance has been committed to helping families across the United States protect what matters most to them for over 20 years. We take pride in protecting your livelihood and preserving the American dream.
OUR MISSION
Our mission is to provide financial stability to those that desire it in a fun environment built on leadership, trust, and loyalty.
OUR VISION
To provide the opportunity for financial security ignited and united by service and leadership in every community throughout the country.
INSURANCE PRODUCTS WE OFFER
Annuities
An annuity is a retirement planning tool that offers safety, growth, and guarantees. All earnings in an annuity grow income tax-deferred until withdrawn. This means money that would have otherwise been used to pay taxes can remain in your annuity and compound over time. Annuities provide a stream of income payments that can be designed to fit your needs – even paying out over your entire lifetime.
Fixed Indexed Annuities
An indexed annuity is a type of fixed annuity in which the interest rate is based on the performance of a financial index, such as the S&P 500® Index. The interest paid is calculated based on changes in the index. Indexed annuities offer the potential to outperform traditional fixed annuities when there are gains in the index. Index annuities offer downside protection. This means even if the index declines, the annuity will not lose value. Also, once earnings are calculated they are locked in for life – they never change as a result of poor market conditions.
Multi-Year Guaranteed Annuities (MYGA)
A multi-year guaranteed annuity, or MYGA, is an annuity that provides a guaranteed fixed interest rate for a specified period of time.
Whole Life Insurance
Whole life insurance, sometimes referred to as permanent insurance, offers lifetime protection. As long as you continue to pay the premiums, your policy remains active. The affordable monthly rate you start at will be the same rate you pay for the life of the policy; your rates will not increase and your policy cannot be cancelled because of age or health.
Term Life Insurance
Term insurance is coverage that is in place for a certain time period – it is often referred to as “temporary coverage.” You can typically purchase coverage in term periods of 10, 15, 20, or 30 years. If you die before the end of the term period, the policy pays the death benefit to your chosen beneficiary. Typically, your coverage stops when the term period ends and you may never use the coverage you paid for. We also have products that automatically extend your coverage to permanent coverage at the end of the term period, without raising your monthly rate.
Indexed Universal Life (IUL)
Indexed Universal Life (IUL) is a unique form of permanent life insurance that combines the protection of a life insurance policy with the potential for cash value growth linked to the performance of stock market indices, such as the S&P 500®. Your money is never actually invested in the market, allowing for both cash value growth and protection. Unlike traditional universal life insurance policies, IUL offers policyholders the opportunity to participate in market gains without exposing them to market losses. This means that while your cash value has the potential to grow based on market performance, it is also protected from downturns. Additionally, IUL policies provide flexibility in premium payments and death benefits, allowing policyholders to adjust their coverage according to their changing financial needs.
Mortgage Protection
Mortgage protection insurance is a type of life insurance designed to pay off your mortgage if you pass away.
Final Expense Insurance
Final expense insurance is a small whole life insurance policy designed to cover funeral and burial costs, as well as any other end-of-life expenses.
Estate Planning
Estate planning involves organizing and managing your assets and affairs to ensure your wishes are followed after your death.
Other
Cancer, Heart Attack & Stroke Coverage, Accidental Policies, Hospital Indemnity, Short-Term Care, and many more products designed to give you peace of mind.
Shaneil L. Tunis | Licensed Insurance Agent
Wilmington, NC
(910) 971-2022
If you’re like most parents and grandparents, you probably think of annuities as something only adults need—maybe even something just for retirees. That’s exactly what I used to believe.
Years ago, when my life insurance agent first mentioned annuities, I told him my family wasn’t interested. I thought annuities were only for people over 50, to protect their retirement savings or manage a lump sum at the end of a career. I had no idea these tools could also create financial security for kids.
Fast forward — I’ve learned that Fixed Indexed Annuities aren’t just for those with extra cash in retirement. They’re for families, too. With small monthly contributions, you can start building a lasting income stream for your child’s future. Indexed Universal Life Insurance, when started while they're young, maximizes tax-advantaged growth and guarantees coverage long before health or lifestyle changes can raise life insurance costs. Locks in low-cost lifetime coverage and builds early cash value that can support major milestones later in life. I decided to purchase a Fixed Indexed Annuity and an Indexed Universal Life (IUL) policy, not only for myself but for my twins—who are now 14. I wish I’d known about these options when they were toddlers.
Now I want you to know: these options are for your children and grandchildren, too. You can begin now—no large upfront investment required. You can use annuities and indexed life policies to start building your child’s financial future right now. It’s not just possible—it’s smart. My goal is to empower you with the information you need to make the most of these tools, so your children and grandchildren can have a strong foundational dimension for life.
Let’s take the guesswork out of family financial planning and give our kids every chance to blossom! What you do now could give your young loved ones options, freedom and security for decades to come.
Helping to protect what matters most and plan confidently for the future. We offer customized life insurance policies, retirement income strategies, and annuity products that support financial protection, create dependable retirement income, wealth preservation, and support long-term financial goals. We simplify the insurance process with clear guidance, personalized plans, and ongoing support—so you can feel secure at every life stage.