Why choose IOA for life and disability insurance?
Life and disability insurance provide critical financial protection for individuals, families, and business owners. These policies safeguard against the uncertainties of life, offering income replacement, support for loved ones, and coverage for business continuity in the event of unexpected loss or disability.
At IOA, we understand the importance of flexibility and choice when selecting coverage. Whether you need instant issue policies, agent-assisted solutions, or specialized planning for high-net-worth individuals, our advisors connect you with options tailored to your specific goals.
IOA’s expertise and network of trusted providers ensure that individuals and business owners can secure coverage that meets their unique financial protection needs.
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Convenience through instant issue options
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IOA’s instant issue life insurance platform offers a streamlined and user-driven process, empowering you to secure coverage online in as little as 15 minutes. With flexible term lengths, coverage amounts up to $3 million, and no required medical exams for many applicants, this option is ideal for those seeking convenience and speed.
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Personalized agent-assisted solutions
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For clients who prefer expert guidance, IOA’s agent-assisted service connects you with experienced advisors who provide tailored recommendations. By leveraging proprietary data, we help you explore options for life, disability, and long-term care insurance that align with your needs.
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Advanced planning for affluent clients
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Our Select Planning service is designed for high-net-worth individuals and business owners, offering comprehensive solutions for business perpetuation, estate planning, and charitable giving. With access to A-rated or better carriers and specialized resources, we help protect your assets and secure your legacy.
Coverage features
IOA’s life and disability insurance solutions include:
Term life insurance
Temporary coverage with flexible durations, typically 10, 15, 20, or 30 years.
Whole life insurance
Permanent coverage with cash value accumulation.
Disability insurance
Income replacement for individuals and supplemental options for high-income earners.
Buy-sell and key person insurance
Protects businesses from the financial impact of losing a critical team member.
Long-term care insurance
Covers costs associated with extended medical care or assisted living.
Indexed and fixed annuities
Provides guaranteed income streams for retirement planning.
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