A life insurance product that can provide financial utility during a client’s life & NOT just at death, living benefits can be the difference between financial survival and financial demise. At Alliance Group, we have been marketing & delivering living benefits to Middle America and small business owners since 1998. For over 15 years, our research in the marketplace has led us to believe that suffering from a critical illness IS unequivocally the biggest financial threat facing families and small businesses alike throughout the country.