Introducing Living Benefits

Introducing Living Benefits: Revolutionizing Life Insurance

There comes a moment that changes everything. Introducing Living Benefits, a revolutionary enhancement to traditional life insurance that provides a tax-free safe haven for life's toughest situations.

Unlike conventional policies, Living Benefits allow policyholders to access up to 90%  of their death benefit while still alive. Unlike a loan, this access to funds is interest-free and does not require repayment to the insurance company. This feature helps cover medical expenses, supplement lost income, and manage financial challenges, ensuring peace of mind and an improved quality of life.

Approximately 70% of senior citizens will require long-term care, which often isn't covered by standard health insurance, Medicare or 401ks. Living Benefits can fill this gap, offering financial relief when it's needed most. Even younger individuals might need early access to their policy's cash value due to accidents or illnesses.

Forty percent of Americans will need long-term care at some point in their lives. The average out-of-pocket cost for long-term care in the U.S. is $117,000 per household. These substantial expenses can be financially draining, underscoring the importance of planning ahead. By incorporating Living Benefits into life insurance policies, individuals can access funds to cover these costs without incurring debt or depleting savings. This proactive approach ensures financial stability and peace of mind for both the insured and their families during challenging times. 

Many term life insurance plans offer riders for terminal illness coverage, and permanent policies allow early "cash-in" options, providing flexibility and security.

Discover how Living Benefits can transform your approach to financial planning and protect you and your loved ones in critical times.