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The future is unpredictable... are you and your family prepared?


  • About every 26 seconds, an American will suffer a coronary event, and about every minute someone will die from one. 

  • On average, every 40 seconds someone in the United States has a stroke. 

  • At age 65, the odds are nearly one in two that you will require nursing home services for at least 2.5 years. 

  • Fidelity Investments predicts that a 65 year old couple that retires this year will need over $200k to cover medical care cost during their retirement


Living Benefits is a rider in your life insurance you don't have to die to use. It covers Terminal Illness, Chronic Illness & Critical Illness. We believe you should get more from a life insurance policy where you should have access to benefits you can use, while you are living.

Living Benefits are available in both TERM & PERMANENT Life Insurance policies. It is FREE to qualify with NO obligation. Contact us today and one of our Living Benefits specialists will assist you.

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Chronic Illness Rider

Allows the policyholder to access a percentage of the policy face amount per year when he or she is determined by a licensed health care practitioner to be unable to perform two of the six activities of daily living (bathing, continence, dressing, eating, toileting, and transferring) for a period of 90 consecutive days, or to be suffering from severe cognitive impairment for a period of 90 consecutive days or more.


Critical Illness Rider

Enables the policyholder to access his or her death benefit in advance of death when he or she is determined by a licensed physician to have suffered a critical health condition, such as cancer, heart attack, stroke, a major organ transplant, end stage renal failure, Amyotrophic Lateral Sclerosis (ALS), blindness, or paralysis due to the loss of two or more limbs.


Terminal Illness Rider

Provides the ability to access a portion of the policy’s death benefit as a lump sum payment in advance of death when a licensed physician has diagnosed the insured to have less than 12 - 24 months to live.

Learn More About Life Insurance With Living Benefits

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