LIVING BENEFITS

Protection against unexpected illnesses 

Terminal Illness

Critical Illness

Chronic Illness

Early Payout

This New  type of Life Insurance can accelerate the death benefit to help pay for unexpected illnesses while still living!

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Terminal Illness

If an eligible insured has an illness or condition that is expected to result in death within 24 months or less. 1

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Chronic Illness

If an eligible insured is unable to perform 2 of 6 activities of daily living for a period of at least 90 days or requires constant supervision to protect from threats to health or safety due to severe cognitive impairment.

The ADLs include bathing, continence, dressing, eating, toileting, and transferring.

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Critical Illness

Covered critical illnesses may include 2:
1. Heart Attack
2. Stroke
3. Invasive Cancer
4. End Stage Renal Failure
5. Major Organ Transplant
6. ALS
7. Blindness
8. Paralysis
9. Arterial Aneurysms
10. Central Nervous System Tumors
11. Major Multi-System Trauma (Major injury to three or more organs or systems) – Not Available in California
12. AIDS – Not Available in California
13. Severe Disease of Any Organ (resulting in significantly altered life
expectancy)
14. Severe Central Nervous System Disease (Parkinson’s, Huntington’s, Multiple Sclerosis, Encephalitis with long-term effects) – Not Available in California
15. Major Burns (>40% BSA, 3rd Degree)
16. Loss of Limbs

  1. Some states may limit the definition of terminal illness to conditions that are expected to result in death within 12 months.
  2. Claims will not be processed until at least thirty days after the qualifying illness has occurred

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Inspirational true stories told by individuals that survived their illness and used life insurance in more ways than one!