The Future of Life Insurance

Save time.  Increase Productivity.  Get the Latest Apps.

What does Brokers Alliance do?

Safe Harbor Term is more than protection for the catastrophe of is here for you to weather the storms of LIFE.

Safe Harbor Term was built to be a highly competitive term life insurance product that actually provides MORE than just a death benefit.  It provides some of the best living benefits in the industry with Critical, Chronic, and Terminal Illness accelerated riders built in to the product for no additional premium to your client!  If providing top living benefits wasn't enough, Safe Harbor Term utilizes the most efficient underwriting process helping clients get a quicker turnaround without having to submit to a stranger for blood and urine samples.  Safe Harbor built the product AND the process!

Get the most out of LIFE

Does Your Term Do This?



Turn around times

Safe Harbor Term Express is designed for SAME DAY OFFER.
Therefore, within minutes of turning in the application you and your client will know if they 
have been accepted. 
If accepted…  the policy is put in force and will be issued and ready for delivery. 

Learn more

Comments on "uniqueness"

Safe Harbor Term is a cost effective way for a family to not only protect against an untimely death of a bread winner BUT also offers protection in the event of a serious or chronic illness.
Therefore, a client does NOT have to die for benefits to be paid out.  
Safe Harbor Term and Safe Harbor Term Express also include an Unemployment Rider that waives premium payments for 6 months if involuntary job loss occurs.

Benefits if diagnosed with Critical Illness

Accelerate up to 95% of the death benefit if the client is diagnosed with a heart attack, stroke, cancer, renal failure, major organ transplant or ALS. 1, 2

Critical Illness Benefit

Benefits if diagnosed with Chronic Illness

Accelerate up to 95% of your death benefit early if you are certified by a Physician as being unable to perform at least two Activities of Daily Living (bathing, continence, dressing, eating, toileting, transferring) or if you require substantial supervision due to severe cognitive impairment. 1, 2

Chronic Illness Benefit

Benefits if due to Terminal Illness

Accelerate up to 95% of your death benefit if you are diagnosed as terminally ill with a life expectancy of one year or less.

Terminal Illness Benefit

Benefits for 6 months due to involuntary job loss...

Waives 6 months worth of premium in the event you become unemployed for at least 4 weeks.  This rider is automatically included for issue ages 18-60! 3

Unemployment Rider

Competitive payouts

Insurance agents START their commission levels at 100% on the 20 and 30 Year plans.  That commission increases to 105% and even 110% with production!


Learn more

Ease of doing business

Once an agent is appointed to sell Phoenix Safe Harbor Life with Living Benefits agents can now DEAL Direct with Phoenix Life’s Home Office.  All application, underwriting questions can be directed to the sales staff at Phoenix Life.  Plus, all product information, case status and applications can be found on 

Agents can sell these products face to face with their client OR take applications by phone and eventually e-Applications will be available.


Learn more


Phoenix Safe Harbor is a BUNDLED product maximizing HUGE savings to customers.  When compared to a low cost Term Life Product, a Critical Illness policy and a Long Term Care policy the Safe Harbor plans offer hundreds even thousands of dollars in savings.


Learn more

Get The Word Out


Marketing, Custom Presentation, Quoting and taking the Application
Now that you are trained on the product, and contracted to sell it, you need to start to market. In our Consumer Vault you will find the latest in marketing materials guaranteed to connect you with more prospects. From video and brochures to mailers and email templates - we have you covered.

Learn more