Life insurance with "Living Benefits." (Client testimonial videos below).

Approximately 50% of home foreclosures and 62% of bankruptcies have medical & disability causes. With only 3% of foreclosures being related to a death, traditional "death benefit only" policies are not sufficient. When planning for your future, another reality that needs to be addressed is the burden of long-term care costs, and how the related expenses can and do destroy assets at an alarming rate.

Out of necessity, new and vastly improved life insurance coverage has been designed to address these all-to-common issues. It is called "living benefits" life insurance or "life insurance you don't have to die to use." These hybrid-policies have proven to be a cost-effective solution, and many consumers are replacing their current life insurance for this superior coverage. The rates are competitive with traditional life insurance, yet you don't have to die to access your death benefit money. Cash is available in the event of critical illness, chronic illness, critical injury, cognitive impairment and more.

This smart idea started with just one carrier, but due to popularity and consumer demand, there are now about two dozen life insurance companies offering some type of chronic and/or critcal illness benefits built-in. All policies are not the same and the benefits do vary quite a bit from one carrier to the other. Nobody is more knowledgeable about these hybrid policies than we are. We are here to help you to determine the best coverage specifically for you and your family.

Does your life insurance have living benefits? Contact us today for a no-cost review!

Play one or more of our client testimonial videos below to hear from actual clients,

and to get a better understanding of how "Living Benefits" work.

If you are limited on time, this five-minute video clip below is for you. Our clients Dorothy (RN), Ron, and Linda, 3 seperate examples, share how their hybrid policies blessed them when they desperately needed financial relief.

(Below) Elliott Butler, a Registered Nurse, suffered a sudden heart attack. Elliott and Kathy recieved a living benefit check for $100,000.00.

(Below) 37 year-old school teacher Sophia Dudley suffered a serious heart attack while shopping at Walmart.

Sophia and Carl received a living benefit check for $120,000.00.