Life Insurance

Life Insurance is designed to ensure financial protection for the insured and their family in the event of death. However, modern life insurance policies now offer benefits that can be accessed while you are still alive. Through Accelerated Benefits clauses, policyholders can make claims in situations such as terminal illness, chronic illness, critical illness, or severe injuries. This feature can provide crucial financial relief by allowing access to part or all of the policy’s value during difficult times.

We work with companies that have over 175 years of experience in the market, ensuring reliability and trust.

How Can Living Benefits Be Used?

Retirement or College Planning:

Certain plans allow you and your children to save for the future tax-free. In addition to building savings, your life
insurance with living benefits provides essential protection at no extra cost.

Mortgage Protection Plans:

Have you recently purchased a home? Have you considered how your family would manage if you were no
longer here? What about covering regular expenses or medical bills if you had to stop working due to a chronic
illness, accident, cancer, or heart attack? Mortgage protection plans help safeguard your assets by accelerating
your policy’s benefits, providing financial security and peace of mind for you and your family.

Final Expense Plans:

End-of-life expenses can exceed $15,000. These plans ensure that your family receives the financial support
needed to cover funeral costs, medical bills, and any other expenses that may arise in the event of your
passing.

Return of Premium Plans:

This type of plan allows you to purchase life insurance for a set period, with the option to receive a full refund of
your premiums at the end of the term. Living benefits are also available with these policies, providing financial
assistance in the event of terminal, chronic, or critical illness.

Plans for Foreigners with Living Benefits:

Did you know that having a Tax ID, Social Security Number, or ITIN can qualify you for life insurance with living
benefits? These plans ensure that non-citizens can access vital financial protection for themselves and their
families.