Meanwhile, new medical expenses are creating an unprecedented need for extra cash. Two things always happen to every American when a critical Illness strikes, regardless of their income, age, health coverage, disability coverage, or anything else; Their expenses go up, and their income goes down. This is how debt begins to pile up, and it is a sad story that is all too common in America today. In 2012, 60% of Bankruptcies in the US were a direct result if a critical illness, and %80 of those bankrupted patients had health insurance coverage. The reality is that more protection is needed than health insurance or disability plans alone can provide. That is when owning a life insurance plan that offers Living benefits is absolutely critical and vital.

The life insurance plans that we offer do come with these benefits embedded in, and there is no additional cost associated with it. It is already included in the policy. At an event when a policyholder suffers from heart attack, stroke, cancer diagnosis or any other qualifying critical, chronic or terminal illness, they have the built in option to accelerate a portion or all of the coverage (up to certain cap) of their death benefits to give them the cash they need to cover the financial burden of that event.