Leverage
Life Insurance
with
Living Benefits
How would a serious illness or disability affect your income, savings, and retirement?
1 in 3 women and 1 in 2 men will be diagnosed with cancer in their life time.
The average cost of cancer treatment is $70,000+, with the average person paying around $2,000 a month for out of pocket expenses.
Every 40 seconds, someone is suffering from a heart attack or stroke.
The average cost of medical treatment is around $25,000.
1 in 5 people will experience a disability, from either a sickness or injury, which will last longer than 1 year.
8 out of 10 people would have to tap into their personal savings or retirement savings to help pay for out of pocket medical expenses and cover any income loss.
Life Insurance
with Living Benefits
Most people have life insurance through their work; which only provides a death benefit.
Life Insurance with living benefits will provide the following protection under one plan:
1) The Death Benefit will pay a lump sum, tax free benefit to your loved ones.
2) The Critical Illness and Injury Benefit will pay you a benefit if diagnosed with a serious illness or injury such as:
Cancer
Heart Attack
Stroke
Major Organ Transplant
End Stage Renal Failure
Blindness
Coma
Paralysis
Traumatic Brain Injury
(These are just to name a few)
3) The Chronic Benefit will pay a monthly benefit if you are unable to do 2 of the 6 daily living activities such as grooming, dressing, toileting, transferring, eating, and bathing.
HOW TO START YOUR LIFE INSURANCE WITH
LIVING BENEFITS PLAN
To qualify for a plan, it will depend on your age and health.
Not all health conditions will disqualify, but can affect the cost of the insurance.
For most ages, no medical exam is required, only an application with health questions.
There are both term and permanent plans available.
Term Plans will provide the largest amount of protection for a certain amount of time at the lowest cost possible.
Permanent Plans will lock in a premium price which will never increase.
Permanent Plans also have a savings benefit which will earn interest tax deferred and can be accessed tax free.
Your Insurance Partner
"I believe that insurance should provide peace of mind, and I strive to make the insurance process as simple and stress-free as possible. I'm committed to delivering exceptional customer service, and am always available to answer any questions you may have and provide ongoing support throughout the life of your policy."
