Term Life Insurance


Most people buy life insurance to leave a financial legacy for those left behind, but what if you suffer from a heart attack, cancer, or stroke, and continue living? It could cause serious financial hardship for you or your family. Term life death benefit protection, as well as living benefits, could allow you early access to the policy’s death benefit in the event of a qualifying chronic, critical, or terminal illness, while you’re alive.

It’s Life Insurance for The Living.


Term life with living benefits can give you early access to the policy’s death benefit, should you experience a qualifying chronic, critical, or terminal illness such as stroke, cancer, heart attack, or paralysis. When you’re planning for the future, it’s good to know you have protection when you and your family need it most, whether that means accessing your benefits while living or at the time of death. Choose the option that best fits you and your family’s goals and budget, with initial guaranteed level term periods of 10, 15, 20, 25, or 30 years. You can apply for amounts from $25,000 to $2 million. You can get up to $249,999 without a medical exam. Keep in mind, the issuance of the policy may depend upon the answers to the health questions on the application. Customize the policy to fit your lifestyle with different coverage amounts, term periods, and optional add-ons. Life insurance with living benefits can help you when you need it the most.

How Living Benefits Work

Illness isn’t something anyone wants to think about, but life happens. Take a look at the following examples of illnesses that allow you to access your life insurance benefits, should the unexpected happen.

Having a chronic illness means you’re unable to perform two of six Activities of Daily Living (bathing, continence, dressing, eating, toileting, and transferring) without assistance or you’re severely cognitively impaired for a period of at least 90 days.

Being critically ill means you’ve been diagnosed with a health condition such as a heart attack, stroke, cancer, end-stage renal failure, ALS, a major organ transplant, blindness or paralysis resulting from specific underlying conditions. If you live in California, critically ill means you’ve been diagnosed after the Rider Date with a medical condition that would, in the absence of treatment, result in your death within 12 months.

Diagnosed as having to Major Organ Transplant

Having a terminal illness means you have a life expectancy of 12 months or less