Provides a lump sum payment to your beneficiaries if you pass away, helping them cover expenses such as funeral costs, debts, and daily living needs.
Allows you to access a portion of your death benefit while you’re still alive if diagnosed with a qualifying illness. - Chronic illness (e.g. needing assistance with daily activities like bathing or dressing) - Critical illness (e.g. heart attack, cancer, stroke) - Terminal illness (with a life expectancy of 24 months or less)
Once approved, the funds may be used for medical expenses, home modifications, or everyday living costs. - Medical treatments - In-home care - Home modifications - Family support or daily living expenses
Benefits become available immediately after meeting eligibility requirements and claim approval.
If the insured dies by suicide within a specified period (typically the first two years of the policy), the insurer may not pay the death benefit.
Deaths resulting from participation in hazardous activities, such as skydiving, scuba diving, or private aviation, may be excluded from coverage.
Some policies exclude coverage for deaths caused by acts of war or terrorism.
If the insured dies while engaging in illegal activities, the insurer may deny the claim.
Deaths resulting from drug or alcohol abuse may be excluded, especially if substance abuse was not disclosed during the application process.
If the insured dies from a health condition that was not disclosed or was misrepresented during the application, the insurer may deny the claim.
Provides a tax-free lump-sum payment to your beneficiaries upon your passing to help with funeral expenses, debts, and ongoing living costs.
Unlike traditional life insurance, you can access part of your benefits while you're still alive if you're diagnosed with a chronic, critical, or terminal illness.
Once qualified, you can use the money for: - Medical bills - In-home care or assisted living - Home modifications - Daily living expenses - Family support
Benefits are available immediately after qualifying, with no long delays.
Knowing you're protected both during life and after death gives you and your family peace of mind, especially during difficult times.
Plans can be tailored to meet your individual financial goals and family needs.
It’s a type of life insurance that not only provides a death benefit to your loved ones but also allows you to access part of that money while you're still alive if you're diagnosed with a qualifying illness.
You may qualify if diagnosed with a chronic, critical, or terminal illness—such as cancer, stroke, heart attack, or if you’re unable to perform two or more daily living activities (like bathing or eating).
Yes. After approval, the funds may be used for any purpose—medical care, daily living, or family support.
No. There is no waiting period—you can access benefits as soon as you meet the eligibility criteria and your claim is approved.
Yes, but the total death benefit will be reduced by the amount you accessed through the living benefits.
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