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Affordable Life Insurance

Let Living Benefits Provide Your Family With Piece of Mind In Critical Times


Many Traditional Life Insurance policies only payout when you Die. Did you know some life insurance policies can also provide access to death benefits while you're still living. LIVING BENEFITS not only pays when you Die, it can also help to take care of you and your family by enabling the owner to access the death benefit in the event you experience a Critical, Chronic, or Terminal Illness.

Traditional Life Insurance vs. Living Benefits Life Insurance

Living Benefits

With modern medicine, more people are surviving, heart attack cancer, strokes. Unexpected medical expenses can take a financial And physical toll on you and your loved ones…. the escalating costs of medical bills, many terminally ill patients face financial hardship ​during these critical times.

living Benefits

Plan For the unexpected

. 1 in 2 men and 1 in 3 women will contract some form of cancer 1.
. 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 a nursing home 4.

1. US National Cancer Institute Surveillance Epidemiology and End Results (SEER) Database, based on incidence and mortality data for the United States from 2008 through 2010, the most current years for which data are available.
2. The Cleveland Clinic,, 2013.
3. American Heart Association, Heart disease and stroke statistics—2013 update.
4. The National Clearinghouse for Long-Term Care Information, May 2010.​

Living Benefits can help protect you and your family against financial devastation in the event of These are optimal rider to your insurance policies unlike disability, and your death benefit will be reduced if you choose to access the living benefits within a policy