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About Us

Providing Insurance Agents with Incredible Offerings of Insurance Carriers and Products for Over 18 Years

ASPECT Management LLC began operations in June 2003, with its head office in Columbia, South Carolina. It is a Senior Market focused company, with a goal in providing agents with the products, incentives and support that allows them to better focus on serving their clients.

Agents Success is the ASPECT Management Mission. ASPECT Management is always striving to be ahead of the curve with innovative ideas. We provide agents with programs tailored to them, which combine best of breed products with specialized lead concepts.

ASPECT Management has grown dramatically since its inception and is now providing support to its agents throughout the United States, allowing them to better focus on servicing their clients. Our Product Portfolio has also expanded its markets to include Life, Health, Indemnity, Cancer, Dental and many other products, such that ASPECT Management is recognized as one of the top Independent Marketing Organizations (IMO) in the country.

In order to significantly enhance our ability to serve our agents and their clients, we partnered with Integrity Marketing Group. One of the nation’s largest providers of senior insurance products, this relationship has transformed our ability to provide superior technology, industry-leading data, exclusive products and so much more.

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A premium is a monthly fee you pay to have medical insurance coverage. To decide your premium, insurance companies will consider: your age, where you live, whether you smoke or use tobacco and whether the coverage is for one person or a family. Premiums usually go up when the coverage is renewed to reflect your age and higher health care costs.

Final expense life insurance can be used by the beneficiary designated as needed rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

When choosing a life product, make sure that life insurance needs are met long-term, especially if personal situations change — for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance, and long-term care coverage linked to life insurance through riders, has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs typically carry an additional charge. The payment of long-term care rider benefits, as an acceleration of the death benefit, will reduce both the death benefit and cash surrender values of the life policy. Additionally, policy loans and withdrawals will also reduce both the cash value and the death benefit. Care should be taken to make sure that life insurance needs continue to be met even if the rider pays out in full, or after money is taken from the life policy. There is no guarantee that a rider will cover the entire cost for all of the insured’s long-term care, as this may vary with the needs of each insured.