Protecting Clients. Growing Your Book. Powered by PALIC.
Your go-to partner for flexible health, life, and supplemental insurance plans that sell year-round.
Philadelphia American Life Insurance Company (PALIC) has been helping agents deliver affordable coverage for over 50 years. With competitive products, nationwide availability, and a sales process built for speed, PALIC makes it easy to win more clients and keep them for life.
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Why Agents Love Selling PALIC
Year-Round Selling – Plans are not tied to ACA open enrollment, allowing consistent commissions every month of the year.
Multiple Cross-Sell Opportunities – Health, life, and supplemental products work together to increase client retention and boost per-client revenue.
Easy-to-Understand Plans – Straightforward product designs make it easier to explain benefits and close sales quickly.
Long-Term Renewals – Keep earning year after year with strong retention rates.
Training & Marketing Materials – PALIC arms you with brochures, presentations, rate calculators, and compliance-ready marketing pieces.
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What Makes PALIC Different
Diverse Product Portfolio – From major medical alternatives and hospital indemnity to accident, critical illness, and life insurance, PALIC gives you multiple solutions for every client need and budget.
Nationwide Availability – Coverage options across most U.S. states, giving you a larger potential client base.
Underwriting Flexibility – Streamlined underwriting with common-sense questions, competitive acceptance rates, and quick issue times.
Strong Financial Backing – Part of the New Era Life group of companies with decades of industry stability and a strong commitment to paying claims promptly.
Agent-First Support – Dedicated sales teams, robust training resources, and responsive customer service—so you can spend more time selling.
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Competitive, Level Commissions
PALIC offers competitive, level commissions—paid on both new business and renewals. That means:
You get the same high commission rate every year your client keeps their coverage.
Multiple product lines = multiple streams of commission income.
No chargebacks on claims.
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Agent FAQ: What You Need to Know to Sell This Confidently
What products does PALIC offer?
A range of health, life, and supplemental plans including hospital indemnity, accident, critical illness, cancer, term life, and major medical alternatives.
Do I need to be appointed in each state to sell?
Yes—PALIC requires state-specific licensing and appointment, but contracting is quick and straightforward.
Can I sell PALIC products outside of ACA open enrollment?
Yes. Most PALIC products can be sold year-round, giving you a steady income stream.
How quickly are policies issued?
Many products feature simplified underwriting and can be approved within days.
Is PALIC financially stable?
Yes—PALIC is part of the New Era Life group of companies, with a long history of strong financial performance and prompt claims payment.
Before you go... Are you prepared?
We’re entering the most disruptive chapter of health insurance since the ACA. This is your window to grow — is your strategy solid? Talk with a success rep today!