How Can I Better Protect My Family and Myself from Unforeseen Events?

Have you ever wondered if there was insurance that could protect you and your family while you are alive as well as if you die? Well, you’ve come to the right place! Let us help you find life insurance that best meets your and your family’s needs.1

For example, most people have “OLD” term insurance that only covers your loved ones in the event of your premature death.  You’ll be happy to know that now there are better options!  Now, there is life insurance that has “Living Benefits” that allow you to accelerate or take a portion of your death benefit early if you become ill. 


1We will strive to find the best life insurance policy for your particular needs.  However, such policy will be no better than what is available to other persons of the same class and life expectancy.

You can get these “Living Benefits” with either term or permanent insurance. Some examples of these “Living Benefits” are explained below:

  • A Critical Illness Rider.  If you are diagnosed with a heart attack, stroke, or cancer, this rider allows you to receive a portion of your death benefit early.
  • A Chronic Illness Rider. If you are certified by a Physician as being unable to perform at least two activities of daily living (ADLs), this rider allows you to receive a portion of your death benefit early.
  • A Terminal Illness Rider. If you are diagnosed as terminally ill with a life expectancy of 12 months or less, this rider allows you to receive a portion of your death benefit early to be used as you wish.
  • Unemployment Waiver of Premium. If you become unemployed for a period of at least 4 weeks and are receiving state or federal unemployment benefits, this benefit waives premium for a period of time.

1Features, riders and availability vary by product and may vary by state. Consult with your financial professional to determine which product is best for you and to determine state variation and restrictions or other conditions that may apply.

  • 1 in 2 men and 1 in 3 women will contract some form of cancer1.
  • There are over 800,000 stroke victims per year.2
  • Every 44 seconds someone in the U.S. has a heart attack.3
  • Approximately 70% of people over age 65 will require long-term assistance during their lifetime, and over 40% will need care in nursing home.4

1 U.S. National Cancer Institute Surveillance Epidemiology and End Results Database, based on incidence and mortality data from 2008 through 2010.

2 The Cleveland Clinic, 2013.

3 American Heart Association, Heart disease and stroke statistics-2013 update.

4The National Clearinghouse for Long-Term Care Information, May 2010.

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One of our more popular policies has a standard death benefit as well as four living benefit riders that are included and are provided at no additional premium cost. These riders allow you to accelerate, or take a portion of your death benefit early! Watch this video to learn more…

So Even Though You Can’t Predict the Future, You Can Prepare for It!

Learn more about Life Insurance with Living Benefits!

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