Plan today. Protect tomorrow.
Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly, life insurance is used to provide a death benefit to help secure your family’s financial future when
you are gone.
You should have access to benefits you can use, while you are living.
We feel Living Benefits provide a combined solution that you can afford to have, but cannot afford to be without. This combination of benefits can help protect your plans for today and tomorrow. We call it:
“life insurance you don’t have to die to use.”
How do you protect against an unforeseen illness?
Consider the following:
• One in every three deaths is from heart disease and stroke, equal to 2,200 deaths per day. (Centers for Disease Control and Prevention, 2012)
• Someone in the United States has a stroke every 40 seconds. Every four minutes, someone dies of a stroke. (Centers for Disease Control and Prevention, 2012)
• People who reach age 65 have a 40% chance of entering a nursing home. About 10% of the people who enter a nursing home will stay there 5 years or more. (Medicare, US Dept. of Health and
Human Services, 2012)
You should get more from a life insurance policy. You should have access to benefits you can use, while you are living.
The future is unpredictable… are you and your family prepared?
Q: What does “life insurance you don’t have to die to use” mean to me?
You can access your policy’s benefits while you are still living.
Your benefits may include coverage in case of a:
• Chronic Illness • Terminal Illness
• Critical Illness • Disability
You also have access to your policy’s cash value for events such as education, a down payment on a house, or retirement.