Modern Life Insurance


Not All Life Insurance Is The Same: 

Many Traditional Life Insurance policies only payout when you die. Did you know some policies can also provide assess to death benefits while you are still living. Living Benefits not only pay when you die but also help you take care of you and your family by enabling the owner to access the death benefit in the event you experience a Critical,  Chronic, or Terminal Illness

With modern medicine, more people are surviving, heart attack cancer, strokes. Unexpected medical expenses can take a financial and physical toll on you and your loved ones…. The escalating costs of medical bills, many terminally ill patients face financial hardship ​during these critical times.


Plan For The Unexpected 

. 1 in 2 men and 1 in 3 women will contract some form of cancer 1.
. There are over 800,000 stroke victims per year 2.
. Every 44 seconds someone in the U.S. has a heart attack 3.
. Approximately 70% of people over age 65 will require long-term assistance during their lifetime and over 40% will need care in a nursing home 4.

Living Benefits can help protect you and your family against financial devastation in the event of These are optimal rider to your insurance policies unlike disability, and your death benefit will be reduced if you choose to access the living benefits within a policy

Father & Son