There are additional benefits associated with our life Insurance and annuity solutions provided by optional riders.

We call them Living Benefits, and we have been providing them since 1937.

Based on the product, living benefits can provide benefits should a qualifying terminal, chronic or critical illness or critical injury occur, or if your desire is to have an income that you cannot outlive.

The best way to understand the impact living benefits can have is to hear from policy owners who have actually used them.

One of the major reasons for purchasing life insurance is the benefits it offers the ones you love in the event that you are no longer there to support them.

Additionally, it offers a potential for accumulation of cash value.

We understand that every person has unique financial needs and objectives. For this reason, we offer life insurance that offers additional policy riders.

The term rider refers to an option that insurance companies add to the life insurance policy to offer extra benefits and financial security in future.

Riders such as living benefits create flexibility by allowing you to design and develop additional options that suit your needs effectively.

Every person has gone through a critical moment in one way or another. A life insurance can offer both living befits and death benefits.

During this critical moment, a life insurance may entitle you to an early payout of your death benefits. For instance, if the policy owner is diagnosed by a reliable physician to have a life expectancy of less than 12 months, living benefits can help to make this remaining time more comfortable as well as dignified.

The medical bills are ever escalating in the hospital. Most patients with terminal illnesses often experience financial hardships. At the same time, you are going through physical and emotional struggles through this difficult time.

The last you and your family needs are the stress of having to go through financial constraints to cater for your medical bills.

Apparently, meeting the medical bills is a tough struggle for your family to endure. Even though you have a substantial collateral in your life insurance policy, it is clear that the medical bills for terminal illnesses are too much to manage.

Just relax and let us help you to manage these bills with our living benefits policy. We do not stop there, instead, we go ahead to make this payment to you (policy owner) and not the beneficiary.

One can also access the money through a policy surrender or loan. Policy surrenders or policy loans usually depend on the cash value.

However, the available amount of the Living Benefits depends on the face value of the policy, amount payable and paid up additions. Often the living benefits policy is exercised just once.

This means that the policy will be terminated once you claim the accelerated benefits. At you request the living benefits policy may be added to existing policies or new polices.

Financial constraints during terminal illness are catastrophic. However, with the Living Benefits policy will offer relief and comfort during such tough times.

We have a team of highly trained and experienced professionals who will guide you through our Living Benefits policy and ensure that you live a happy and comfortable life even during difficult moments such as terminal illness.

For instance, if your death benefits total up to $250, 000, we will pay you a specific amount let’s say

$150, 000 when you are terminally ill.

The remaining $100, 00 will be paid to the beneficiaries in the event you succumb to the illness.