Living Benefits

What Are Living Benefits? 

Life insurance can do more than pay a death benefit.  With powerful riders you may be able to accelerate the death benefit due to a qualifying illness or injury and potentially provide a guaranteed source of retirement income if you live too long.

Accelerated Benefits Riders are optional, no additional cost riders that can allow you to access all or part of the death benefit while you are living if you experience a qualifying terminal,
chronic, or critical illness or critical injury.

Terminal Illness

Chronic Illness

Critical Illness or Critical Injury

"You Have Been Diagnosed By A Physician With A Terminal Illness That Will Result In Death Within 24 Months"
"Certfied By A Doctor, Within The Last 12 Months, That You Are Unable To Perform 2 Out Of 6 Activities Of Daily Living" 

There Are Four Different Categories; Minor, Moderate, Severe, & Life Threatening

About Our Living Benefits

Breathe Easier....           
                     With Living Benefits

Since the benefit is unrestricted, once you qualify, you can use the benefit for any reason.
Benefits might be used for, but not limted to:

Household Expenses ● Adult Day Care ● Home Modifications ● Regular Bills
 Nursing Home Care ● Quality Of Life Expenditures
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