Our Life insurance agent offers a lot of different kinds of life insurance to help you get the right one for you. We offer Living Benefits Life Insurance, No Exam Life Insurance/No Questions Life Insurance, Fast Life Insurance/Quick Life Insurance/Instant Life Insurance, and High Risk Life Insurance. Contact us and we will have a life insurance agent assist you, and give you a free price quote on your insurance!

Traditionally a life insurance policy pays out a Death Benefit to the family members once an insured client passes away. With Living Benefits, if an insured client experiences a “Terminal, Critical, or Chronic” illness while they are still alive, they can receive 25, 50, 60, even 90% of their death benefit immediately. They do NOT need to wait until their passing. This benefit can pay for medical bills, final expenses, vacation with the family, anything. There is no restriction for the use of their payment. And the balance will be left to the family.

You may be asking “What are the Qualifying Events” that allow me to request a portion of my death benefit?

Let’s investigate the 3 categories that may trigger eligibility:

First, Terminal Illness:

The insured client had been diagnosed, by a medical professional, as having a non-correctable illness or condition which is reasonably expected to cause their death within 12 or even 24 months from their diagnosis, depending on which state they reside. They can receive up to 90% of the total benefit.

Second, Critical Illness:

The insured client had suffered the event of a heart attack, blindness, cancer, stroke, major organ transplant, Lou Gehrig’s disease, and others. They can receive between 60 – 80% of the total benefit.

Third, Chronic Illness:

The insured client is cognitively impaired or certified by a medical professional as unable to perform certain “Activities of Daily Living” such as bathing, continence, dressing, eating, toileting or transferring. Although this benefit cannot replace proper Long-Term Care protection, it can provide an annual or lump sum of 25 – 60% of the total benefit.