Living Benefits

OUR MISSION : To make a difference in the lives of our clients

We protect ourselves and our families with all sorts of insurance: health, auto, home, travel and more. For most of us, we are fully protected, meaning, we would get full replacement cost if something were to happen to our home or our car.

You understand the importance of providing a nurturing, secure environment in which your family will be happy, now and in the future.

But are you protecting your family in the best way possible?

What Is Your Most Valuable Possession?


Full Replacement


Full Replacement Cost


What Percent of Your Household Income Is Protected?

Life Insurance provides financial protection for your family at the worst of times.

But Life insurance can do a lot more than provide money when you die.

Living Benefits Life Insurance Can Bring You Benefits While You are Still Living

Some life insurance policies offer options that provide benefits to help with medical expenses, retirement or other life events. Since you don’t have to die to receive these benefits, they’re called “living benefits.”

With Living Benefit Life Insurance products, you gain the flexibility to receive benefits while you’re still living. These offerings are designed to help protect you and your family’s financial security in the event of critical, chronic, or terminal illness.

Living Benefit riders are built-in, no-cost living benefits to help you maintain your quality of life during such events. Most LB Riders can provide a portion of your contractual death benefit while you’re still living if your condition meets the criteria for one of these types of illnesses.

What about threats other than death?

The likelihood of you or your spouse developing a critical illness, such as cancer, or a heart attack, stroke, or other serious illness is much more likely to happen than pre-mature death.

At least 91% of older adults have at least 1 chronic condition and 73% have at least 2.

Consider these around dying too soon or developing a critical, chronic, or terminal illness.

Are you prepared? What If You …

Die Too Soon?


Odds of dying before the age of 65

National Vital Statistics Report. Vol 53. No 6.


Average Life expectancy of a U.S. male

World Health Organization. 2015 data published in May 2016.

1 in 7

Odds of dying of Heart Disease and Cancer

National Safety Council estimates based on data from National Center for Health Statistics–Mortality Data for 2013

Live Too Long?


Most Americans may be spending

20+ years in retirement

50% of households are at risk of having their standard of living decline during retirement

Source: Center for Retirement Research

Get Sick Along The Way?

At least 91% of older adults have at least 1 chronic condition and 73% have at least 2

Source: National Council on Aging


An average couple retiring at 65 can expect to pay $220,000 in out-of-pocket medical expenses during retirement

Source: Fidelity

75% of heart attack victims survive at least 3 years

Source: AHA Journal

70% of stroke victims survive at least 3 years

Source: AHA Journal

Chronic Illness Accelerated Benefit

Chronic illnesses are typically conditions suffered for a long period of time, during which normal daily living is disrupted. These conditions often affect the ability to perform simple tasks like eating or dressing without assistance and they may also involve severe cognitive impairment that necessitates substantial supervision. Quality of Life. . .Insurance can help you financially with the care and lost income associated with a qualifying chronic illness by accelerating some or all of your policy’s death benefit upon being diagnosed.


Critical Illness Accelerated Benefit

Critical illnesses often come suddenly and without warning and the financial affect can be devastating. Qualifying conditions include; major heart attack, coronary artery bypass, stroke, invasive and blood cancers, major organ transplant, end-stage renal failure, paralysis, coma, and severe burn.1 Quality of Life. . .Insurance can help you minimize the financial effects of critical illnesses by providing some or all of your policy’s accelerated death benefit after requirements are met.


Terminal Illness Accelerated Benefit

Terminal illnesses are defined as those in which a physician reasonably expects will result in a person’s death within 24 months.2 Quality of Life. . .Insurance can help you financially make the most of your remaining journey following a terminal illness diagnosis by helping to cover lost income, helping pay for treatment or providing the resources to spend those days however you want. Your policy can permit you to accelerate some or all of your policy’s death benefit if you have a qualifying critical illness.