About
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 All earnings in an annuity grow income tax-deferred until withdrawn.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
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
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 WHOLE LIFE
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
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 SERVICES
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 | Agent
Wilmington, NC
If you're similar to me, you've likely been inundated by the numerous financial options available, or perhaps you're uncertain about how to begin investing for your children's future.
Twenty years ago, I told my own life insurance agent that we were not interested in annuities when he broached the topic to my husband and I, but that was only because I didn't know much about them. At the time, the only people who could choose an annuity were adults over 50 who wanted to protect a lump sum of money that would eventually be paid out when they retire. Fast forward to present, Flexible Premium Deferred Annuity (FPDA) entered the insurance marketplace as an option for those who do not have lump sums of cash laying around. It was a logical decision to purchase a Flexible Premium Deferred Annuity (FPDA) along with an Indexed Universal Life (IUL) permanent policy with an indexed growth cash value component, not only for myself, but for my twins who are now 14 years old. I only wish I had known all the financial advantages of Annuities and Whole Life insurance for children, because I would have purchased them for my own children when they were toddlers. With this knowledge and now expertise, I hope to empower mothers to become more knowledgeable about these choices in their family financial planning in order to safeguard and nourish their children's future.
