http://www.businessweek.com/bwdaily/dnflash/content/jun2009/db2009064_666715.htm "Impact of Stoke” American Stoke Association. 18 April 2012.; http://www.strokeassociation.org/STROKEORG/About Stroke/Impact-of-Stroke_UCM_310728_Article.jsp (24 April 2012). Impact of Stroke” American Stroke Association. 27 May 2014. http://www.strokeassociation.org/STROKEORG/AboutStroke/Impactof-troke_UCM_310728_Article.jsp (27 May 2014) ; http://www.cdc.gov/dhdsp/data_statistics/fact_sheets/docs/fs_heart_disease.pdf ; http://www.insureme.com/health-insurance/heart-attack-and-stroke; http://www.standup2cancer.org/get_i
Are you protected against future loss of income and assets due to you or your spouse having a critical illness or being disabled and unable to work or perform normal daily activities for months or even longer? Does your current life insurance policy only help cover final expenses at the time of death?
Why do I need a term life with living benefits policy instead of the traditional term life coverage with a death only benefit? We're glad you asked! Let us answer that for you with two simply questions and answers.
Ask yourself these questions:
Q: How does having life insurance with living benefits included as part of of my policy make a difference?
A: Statistics show that large numbers of Americans may become terminally, critically or chronically ill.
Life insurance with living benefits provides the option to access the face amount and receive cash while the insured is alive. The Accelerated Death Benefits can provide funds at a time that the insured and his/her family need them most.
Q: Why is life insurance with living benefits so popular?
A: Most life insurance policies only protect your family only after you pass away. A life insurance policy with living benefits still does that but may also give you valuable access to cash while you are alive, and when the funds are most needed. People see this as a smart way to have funds they need without having to access a retirement fund, 401(k) or liquidate CDs, which require payments of penalties and other fees.
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