with Living Benefits
"Life Insurance You Don't
Have to Die to Use"
PLAN TODAY TO PROTECT TOMORROW
FACTS & ODDS OF NEEDING YOUR INSURANCE
- Every 53 seconds someone suffers a stroke
- Every 26 seconds someone suffers a heart attack
- Every 30 seconds a new cancer is diagnosed in the U.S.
- 45% of heart attack victims are under the age of 45
TERMINAL ILLNESS BENEFIT RIDER:
For the Terminal Illness Rider, the policy Owner can accelerate up to 100%of their Initial death benefit or $500,000 whichever is less.
CHRONIC ILLNESS BENEFITS RIDER:
For Chronic Illness Rider, the policy owner can accelerate up to 24% of the initial death benefit amount annually. The benefit can also be accessed monthly up to 2% ; quarterly up to 6% or Semi-annually up to 12% of the death benefit. The maximum lifetime benefits is 90% of the Death benefit or $500,000, whichever is less.
CRITICAL ILLNESS BENEFIT RIDER:
For Critical Illness Rider, the policy owner can elect to accelerate 90% of the initial death benefit. The maximum Lifetime Benefit is the death benefit or $500,000, whichever is less.
The Maximum total amount of Lifetime benefits that can be accelerated for any Insured under all accelerated benefit riders is $500,000.
Ben: Married with 2 children, Ben was diagnosed with colon cancer at the age of 45. He has a $200,000 death benefit. He uses his Critical Illness Accelerated Death Benefit Rider to access his benefits and withdraw $100,000. He uses this money to pay unpaid medical expenses and to replace Income from not working.
Sam: Sam, a family man, is diagnosed with a terminal illness at age 58. He uses the money from the Terminal Illness Accelerated Death Benefit Rider to pay off his mortgage and take his family on a vacation.
Mary: Mary, age 77, becomes chronically ill. She can no longer stay in her home, so she moves into an assisted living facility. She utilizes her Chronic Illness Accelerated Death benefit rider which provides her with a monthly benefit of $2,500 to help her pay for these added expenses.
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