Life insurance with living benefits is the "New Kind" of cov

  If you are diagnosed with a qualifying condition, you will be eligible to receive payment of the death benefit on a discounted basis subject to any restrictions. The benefit paid is based on the impact on your life expectancy. There is normally no additional charge for this rider. 

 Qualifying illnesses include:  • Diagnosis of ALS   (Lou Gehrig’s disease)  • Aorta Graft Surgery  • Aplastic Anemia  • Blindness  • Cancer (In CA,   Invasive Cancer only)  • Cystic Fibrosis  • End-Stage Renal Failure  • Heart Attack  • Heart Valve  Replacement  • Major Organ Transplant  • Motor Neuron Disease  • Stroke  • Sudden Cardiac Arrest  Blindness is not a qualifier in CT, IL, KS, MD, MA, MN,  NJ, NY, OH, PA, UT, VA, WA.  Any claim for benefits for a given Qualifying Event must  be filed within 365 days following the occurrence of  the Qualifying Event. 

If you become unable to perform two of six “activities of daily living” (ADLs) or become cognitively impaired, you will be eligible to receive payment of the death benefit on a discounted basis subject to policy specific conditions.  There is normally no additional charge for this rider.  

If a doctor certifies you are unable to perform two of the six ADLs (listed below) without assistance for a period   of 90 days, you will become eligible for the benefit.  Activities of Daily Living include:  • Bathing  • Continence  • Dressing  • Eating  • Toileting  • Transferring  You will also be eligible to receive payment of the  death benefit, on a discounted basis, if you have been  diagnosed with an illness that requires substantial  supervision for a period of at least 90 days to protect  yourself from threats to health and safety due to severe  cognitive impairment. 

  Our Terminal Illness rider allows for the payment of the death benefit, on a discounted basis, if the insured has an illness or chronic condition that can reasonably be expected to result in death in 12 -24 months, depending on the carrier.  There is normally no waiting period to be eligible for a payment, which will be made to you as a lump sum. There may or may not be annual limits or a lifetime limit of benefits you can receive from all ABRs. There is typically no additional charge for this rider. 

 This rider allows for payment of a portion of an insured’s death benefit, on a discounted basis, if the insured has a qualifying diagnosis of Alzheimer’s disease or Lewy Body Dementia. The rider will not be available if the client has a first-degree relative (mother, father, or siblings) with a history of Alzheimer’s disease.  There is no additional charge for this rider. While there is normally no annual limit, there may or may not be a lifetime limit of benefits you can receive from all ABRs.  

The Listed Information in regard to all Living Benefits coverages above does not ensure coverage for all policies, carriers or available in all states. The actual coverage will depend on the underwriting of the individual and the state regulations. Always refer to your specific policy to confirm the coverage you will have under any policy.