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Life insuranceTerm, whole life and final expense, written with living benefits. If a covered critical, chronic or terminal illness is certified, you can draw on your own benefit now. What is left still protects your family.
If a covered illness is certified while you are alive, part of the benefit can be released to you.
A diagnosis on the policy’s list, commonly heart attack, stroke, cancer or major organ failure, can release part of the benefit as a lump sum.
If you can no longer perform a set number of daily activities, such as bathing, dressing or eating, or a physician certifies severe cognitive impairment.
When a physician certifies a life expectancy shorter than the limit written into the policy, often twelve or twenty-four months, most of the benefit can be released.
Living benefits are an advance on your own policy, not extra money. Whatever is paid to you while you are alive, plus any interest or fee the carrier charges, is subtracted from what your beneficiaries receive later. Which conditions qualify, how much can be drawn and whether the rider costs extra all vary by carrier, product and state, so we show you the actual rider language before you apply.
Term, whole life and final expense, sized from your real numbers rather than a rule of thumb.
The most coverage per dollar, for a fixed number of years, usually until the mortgage is paid and the children are grown.
Permanent coverage that builds cash value. Costs more per dollar of benefit, but it never expires and never re-prices.
A smaller permanent policy sized for a funeral and closing costs, with simplified underwriting and no medical exam.
We work from your real numbers, not a rule of thumb.
We total what your family would have to cover, mortgage, income, education and final expenses, and what you would want available if you fell ill instead.
We compare the policies you qualify for on their living benefits as well as their premium: which illnesses each one covers, how much it will advance, and what it adds to the cost.
We complete the application with you and follow it through underwriting. Many term and final-expense policies are issued with no medical exam.
We revisit the beneficiary and the amount when your life changes, and when the time comes we help your family file the claim, or help you file your own.
Riders that let you draw on your own death benefit while you are alive, if a covered critical, chronic or terminal illness is certified by a physician. The money is paid to you and you decide what it is spent on. Whatever you take is subtracted from what your beneficiaries receive later.
Sometimes. Terminal-illness acceleration is included at no extra premium on many policies, while critical and chronic riders are often an added cost. We quote it both ways so you can see what the rider is actually worth to you.
Not always. Many term and final-expense products issue on simplified underwriting: a health questionnaire and a prescription check instead of an exam.
Most policies have a grace period of about 30 days and stay in force during it. After that the policy lapses, and putting it back can mean new health questions at your current age. Call us before the due date, not after.
No. Our service is free to you.
No cost, no obligation. We compare your options and explain them in simple terms, in English or Spanish.