Living Benefits Carriers

More and more life insurance carriers are providing living benefits in their policies at no additional premiums. Studies show people are living longer but not necessarily healthier. Having a policy that pays a benefit in the event of a critical, chronic, terminal illness or long term care can ease the financial burden down the road. Consult with us to see which living benefit package fits your client the best or if their current policy can be upgraded to include these extra benefits.

  • Accelerate up to $1,500,000*

  • Critical/Injury, Chronic, Terminal Illness Riders

  • Discounted Method

  • Lump Sum Payout**

           * Critical/Injury up to $1,000,000   ** Chronic Illness pays monthly

  • Accelerate up to $2,000,000

  • Critical, Chronic, Terminal Illness Riders

  • Discounted Method

  • Lump Sum Payout

  • Accelerate up to $1,500,000

  • Critical, Chronic, Terminal Illness Riders

  • Discounted Method

  • Lump Sum Payout

  • Only on Term Product

  • Accelerate up to $1,000,000*

  • Critical, Chronic, Terminal Illness Riders

  • Lien Method

  • Lump Sum Payout

           * Terminal Illness up to $250,000 + CV, Critical Illness up to $25,000 + CV

  • Accelerate up to $750,000*

  • Critical, Chronic, Terminal Illness Riders

  • Discounted Method

  • Lump Sum Payout

           * Critical Illness up to $50,000, Chronic Illness up to $240,000

           

  • True Long Term Care Rider

  • Return of Premium Rider

  • Reimbursement - Dollar for Dollar Method

  • Monthly Payout

  • True Long Term Care Rider

  • Return of Premium Rider

  • Indemnity - Dollar for Dollar Method

  • Monthly Payout

  • Informal Care Allowed (CareMatters Product)

  • True Long Term Care Rider

  • Return of Premium Rider

  • Reimbursement - Dollar for Dollar Method

  • Monthly Payout

  • Lifetime benefit payout available

Living Benefits amounts and availability may vary between states. Not all applicants may qualify.

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