The Living Benefits" Era
The "Living Benefits" Era
What Are Living Benefits?
Living benefits provide financial support when you need it most - during illness or injury.
​
Access to your death benefit is payable directly to you upon diagnosis while you're still alive.
​
Types Of Insurance
Whole Life Insurance provides lifelong coverage with a guaranteed death benefit and a cash value component that grows over time.
This policy offers stability, predictable premiums, and the ability to borrow against the cash value if needed.
It’s a great choice for those looking for permanent financial protection, estate planning, or a way to build tax-advantaged savings.
Term Life Insurance is an affordable way to protect your loved ones for a set period— typically 10, 20, or 30 years. ​
​
This is ideal for individuals who want coverage during critical life stages, such as raising a family, paying off a mortgage, or ensuring income replacement.
​
Since it doesn’t accumulate cash value, term life is one of the most budget-friendly options available.
An IUL policy is a flexible, long-term insurance solution that provides both a death benefit and a cash value component.
These are tied to market index performance (such as the S&P 500)
This means your cash value has growth potential while also being protected from market downturns.
With tax-advantaged growth and the ability to adjust premiums and coverage as needed, IUL is ideal for those looking for lifelong protection with wealth-building opportunities.
Accidental Death Insurance provides a payout if you pass away due to a covered accident.
Unlike traditional life insurance, this policy specifically covers accidental fatalities and, in some cases, severe injuries.
​
It’s a great supplemental option for those in high-risk professions or anyone looking for extra financial security for their family in case of an unexpected accident.
