Living Benefits

What are Living Benefits?

Living benefits is an insurance industry term that refers to accessing your death benefits while you are still alive

Cancer, heart attack and stroke are typical ailments that are covered

They are usually triggered by the loss of 2 Activities of Daily Living (ADLs)

Do I Need Living Benefits?

Do you have coverage for long term care costs?

Can you afford you afford to spend more than 6 months in assisted living or nursing home?

You can afford a large medical expense, but the impact on your beneficiaries is large (Learn More About Legacy Planning)

The likely-hood of needing living benefits makes considering products with them worthwhile

Click To Discuss Living Benefits

Use the link below to start a discussion about living benefits or any other retirement concerns you may have
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What is an ADL?

An “ADL”, or an activity of daily living generally refers to a specific list of tasks older adults must perform in order to live without assistance. 

  • Walking, or otherwise getting around the home or outside. The technical term for this is “ambulating.”
  • Feeding, as in being able to get food from a plate into one’s mouth.
  • Dressing and grooming, as in selecting clothes, putting them on, and adequately managing one’s personal appearance.
  • Toileting, which means getting to and from the toilet, using it appropriately, and cleaning oneself.
  • Bathing, which means washing one’s face and body in the bath or shower.
  • Transferring, which means being able to move from one body position to another. This includes being able to move from a bed to a chair, or into a wheelchair. This can also include the ability to stand up from a bed or chair in order to grasp a walker or other assistive device.

Cost and Prevalence of Medical Assistance

Long term-care insurance continues to skyrocket (if you have it, you probably received a notice regarding your premium)

Living benefits can double your income if you get sick if 2 ADLs cannot be performed

Our products provide Living Benefits AND Guaranteed Income For Life

Consider every year, 735,000 people will suffer a heart attack, and 90% will survive

About 1,735,350 cases of cancer will be diagnosed this year – 38.4% of us will be diagnosed at some point in our lifetime

Stroke is the leading cause of long-term disability in the US. Each year, approximately 795,000 people suffer a stroke.

office team

Consider every year, 735,000 people will suffer a heart attack, and 90% will survive

About 1,735,350 cases of cancer will be diagnosed this year – 38.4% of us will be diagnosed at some point in our lifetime

Stroke is the leading cause of long-term disability in the US. Each year, approximately 795,000 people suffer a stroke.

office team

Long term-care insurance continues to skyrocket (if you have it, you probably received a notice regarding your premium)

Learn more about how you can double your income if you get sick

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