The
"Living Benefits"
Era
The Living Benefits" Era
What Are Living Benefits?
Unlike traditional policies, living benefits provide financial support when you need it most - during illness or injury. Access to your death benefit is payable to you in a lump some to cover future expenses.
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With living benefits you do not have to die in order to access money that is owed to you.
Do I Need Living Benefits?
Think about this - would you rather pay month after month for a payout you will never see in this lifetime... or do you want to be able to see that money when you get sick and can no longer work?
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Everyone needs living benefits... qualifying for them is the hard part as some companies have high standards pertaining to who can qualify for living benefits.
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. ​
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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.
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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.
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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.
Protecting your family shouldn't be stressful. Let us do the heavy lifting for you.
We contract with grade- A companies all over the country to find your family the best options available.
Fill out the contact form and we will be in touch shortly.
Privacy Policy
Privacy Policy
Last Updated: 03/04/2025
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Welcome to The "Living Benefits" Era (“we,” “our,” or “us”). Your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website and submit your information through our lead forms.
1. Information We Collect
When you use our website, we may collect the following personal information:
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Name
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Email Address
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Phone Number
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State of Residence
2. How We Use Your Information
We collect your information for the following purposes:
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To contact you via phone, email, or SMS regarding life insurance options for you and your family
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To provide personalized life insurance recommendations
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To follow up on inquiries and offer support
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To improve our services and customer experience
3. Sharing Your Information
We do not sell your personal information. However, we may share your data with:
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Licensed life insurance providers or agents affiliated with our business, for the purpose of assisting you with life insurance options
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Service providers who help us with website operations (e.g., CRM, email services)
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Legal or regulatory authorities if required by law
4. Your Rights & Choices
You have the right to:
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Request access to the personal information we have about you
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Request that we delete your personal information (subject to legal and contractual obligations)
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Opt out of marketing communications at any time by clicking “unsubscribe” in emails or replying “STOP” to SMS messages
To exercise these rights, please contact us at niccospringersfg@gmail.com.
5. Data Security
We take appropriate security measures to protect your personal information from unauthorized access, loss, or misuse. However, no data transmission over the internet can be guaranteed as 100% secure.
6. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites.
7. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with the updated date.
8. Contact Us
If you have any questions about this Privacy Policy or how we handle your data, you can contact us at:
📧 Email: niccospringersfg@gmail.com
📞 Phone: 229-575-0313