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Life Insurance That Pays You,

If  You Don't Die!

Life insurance is a powerful financial tool that can be used to protect and secure your family's future if you should die too soon.

Living Benefits 

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

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

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  • Household expenses

  • Adult Day Care

  • Home modifications

  • Regular bills

  • Nursing home care

  • Quality of life expenditures

Lovers on a Rocky Beach
Learn more about Living Benefits below.

Terminal illness

Generally if you have been diagnosed with a terminal illness that will result in death within 24 months of certification of the illness by a physician

Chronic illness

A doctor has certified, within the past 12 months, that you are unable to perform two out of six "activities of daily living" for a period of at least 90 consecutive days without assistance, or that you are cognitively impaired.

critical illness or critical injury

What qualifies?

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Critical illness includes:

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  • ALS

  • Aorta Graft Surgery

  • Aplastic Anemia

  • Blindness

  • Cancer

  • Cystic Fibrosis

  • End Stage 

  • Heart Attack

  • Heart Valve Replacement

  • Major Organ Transplant

  • Motor Neuron Disease

  • Stroke

  • Sudden Cardiac Arrest 

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Critical Injury includes: 

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  • Coma

  • Paralysis

  • Severe Burns

  • Traumatic Brain Injury

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