Living Benefits

Protect your family with additional insurance.

LIVING BENEFITS Health Insurance Products

Be better prepared to handle medical costs and out-of-pocket expenses that accompany unexpected health events. Benefits are paid directly to you or someone you designate. There are no restrictions on how you use your benefit payment. It can be used to pay for everything like, deductibles and copays to your rent or home mortgage and or groceries to feed your family.


Living Benefits

Critical Illness Insurance

Critical illness insurance covers cancer, heart attack, stroke and end-stage renal failure. Plus, it can also cover conditions such as Alzheimer’s disease, blindness, paralysis, coma, transplant surgery/waiting list, amputation and deafness.

Accidental Death Insurance & Disability

Traditional life insurance is used by most people for their primary protection needs. Did you know that additional protection is available with Accidental Death Insurance at a much lower price. Accidental Death Insurance can be a cost effective way to protect your family.

Living Benefits
Living Benefits

Hospital Indemnity Insurance

Hospital indemnity insurance complements your existing health insurance plan by paying you cash benefits when you’re hospitalized due to covered accidental injury or sickness. Coverage options include a daily hospital stay, day one hospital admission, intensive care unit, emergency room visits and ambulance trips, among other choices.

Long-Term Care Insurance

Long-term care assistance is needed when people can no longer perform basic activities of daily living, such as eating, bathing, dressing or taking medications. A long-term care insurance policy is designed to help you pay for assistance with these types of activities. Long-term care needs typically arise as part of the normal aging process but can also be due to injury or illness, such as stroke or cognitive impairment like Alzheimer’s disease.

Living Benefits

Life Settlement

Life settlements are a lifeline for so many people, helping them to solve a challenging problem or improve their financial freedom. We list out the most common scenarios below.


Life settlements are most common with insureds over the age of 75, as nearly all cases qualify. However, 68–72-year-olds insureds with term conversions can be a common scenario given the escalating premiums of permanent insurance.

Living Benefits

Improve Financial Security

Use payouts to improve financial peace of mind
• Eliminate premiums
• Replace lost income
• Pay off debt
• Retirement savings

Living Benefits

Policy No Longer Needed

Extract the highest value from an unwanted policy
• Beneficiaries secure
• Biz policy after a sale
• Estate tax changes

Living Benefits

Asset Sale for Better Use

Unlock funds for better opportunities
• Hobbies/interests
• House downpayment
• College/trust fund
• Gifts

Living Benefits

Money for Critical Medical Care

Pay for medical care or overdue bills
• Care facilities
• Home care
• Prescriptions
• Treatments
• Clinical trials

Did you know you can sell all or part of your policy?

Traditional Settlement

The entire life insurance policy is sold for a lump sum payment above the cash surrender value


➢ Most common option
➢ Cash lump sum payment
➢ No future premium payments
➢ Annual tracking calls

Retained Death Benefit

The life insurance policy is sold, the buyer pays all premiums, and the seller keeps a % of the death benefit

➢ Custom option
➢ Lower upfront cash payment
➢ No future premium payments
➢ Portion of death benefit to family