Life Insurance You Do NOT Have To Die To Use!

Most people purchase life insurance to provide a legacy of financial security for their loved ones when they pass. But, doesn’t it make sense to extend those benefits (all or a portion) towards you, if you need them while you’re still living? Question . . .

Does your existing life insurance policy allow you access some of your death benefits to help YOU with expenses, such as your mortgage, your car payment and even your groceries?

Living benefits Life Insurance provides early access to the policy's death benefit in the event of a qualifying chronic, critical or terminal illness.

What is a Critical, Chronic, or Terminal Illness?

Critical Illness

Critically ill means that you’ve been diagnosed with a health condition such as a heart attack, stroke, cancer, end stage renal failure, ALS, a major organ transplant, blindness or paralysis resulting from specific underlying conditions (If you live in California, critically ill means you’ve been diagnosed after the Rider Date with a medical condition that would, in the absence of treatment, result in your death within 12 months).

Chronic Illness

Chronically Ill means that the Insured is unable to perform at least two out of the six Activities of Daily Living (ADL's) or you require substantial supervision by another person, to protect you (the Insured) from threats to health and safety due to Severe Cognitive Impairment.

Terminal Illness

Terminally Ill means that the Insured has a medical condition, resulting from bodily injury or disease, or both, which is expected to result in the death of the Insured within 12 months of diagnosis. The condition must be first diagnosed by a Physician on or after the later of the Date of Issue or the Policy Date; and must be demonstrated by clinical, radiological, laboratory or other evidence of the medical condition which is satisfactory to us; and must not be curable by any means available to the medical profession.