Life Insurance with Living Benefits
Regardless of where you are in life, there is probably a lot going on. Taking care of your financial needs may not be top of mind. However, it is something needed to protect and secure your family's future. At no-additional cost, it can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, critical illness, or critical injury.
A Life Insurance You Don't Have To Die To Use
Once you qualify you can use the benefit for any reason. Benefits might be used for, but not limited to: Household Expenses, Adult Day Care, Home Modifications, Regular Bills, Nursing Home Care
TERMINAL ILLNESS
What qualifies?
Generally, if you have been diagnosed with a terminal illness that will result in death within 24 months of certification of the illness by a physician.
CHRONIC ILLNESS
What qualifies?
A doctor has certified, that you are unable to perform two out of six "activities of daily living" for a period of at least 90 consecutive days without assistance, or that you are cognitively impaired.
Activities of Daily Living:
Bathing, Continence, Dressing, Eating, Toileting, Transferring.
CRITICAL ILLNESS
OR INJURY
What qualifies?
Critical Illness includes:
ALS (Lou Gehrig's Disease), Aorta Graft Surgery, Aplastic Anemia, Blindness, Cancer, Cystic Fibrosis, End Stage Renal Failure, Heart Attack, Heart Valve Replacement, Major Organ Transplant, Motor Neuron Disease, Stroke, and Sudden Cardiac Arrest
Critical Injury includes:
Coma, Paralysis, Severe Burns, Traumatic Brain Injury.
How Living Benefits Work?
Here's What Others Say About Living Benefits
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Life Insurance policies help you protect your family, get out of debt and build your retirement savings. We believe you should have options.