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. 

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:

  • 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?

Critical illness includes:

  • 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 

Critical Injury includes: 

  • Coma

  • Paralysis

  • Severe Burns

  • Traumatic Brain Injury