BluePrint Insurance AdviSOrs

Comprehensive Insurance Planning

Charlotte, NC: 704-945-7173Floyd, VA: 540-745-8020 |

Sources:  "Impact of Stoke” American Stoke Association. 18 April 2012.; Stroke/Impact-of-Stroke_UCM_310728_Article.jsp  (24 April 2012). Impact of Stroke” American Stroke Association. 27 May 2014.  (27 May 2014) ; ;;

The average total cost of a severe heart attack: 
​$1 Million

Are you and
​your loved ones prepared for the unthinkable?

Every 34 Seconds Someone has a heart attack... 

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.

  • 60% of all bankruptcies are due to medical issues, and nearly 80% of those had health insurance
  • Nearly a quarter of people in their 40’s have at least one chronic illness.
  • Every 40 seconds someone has a stroke
  • Every 34 seconds someone has a heart attack
  • The average cost of a severe heart attack, including direct and indirect costs, is about $1 million
  • 1 in 2 men and 1 in 3 women develop cancer in their lifetime, with 1 in 12 overall delaying or turning down recommended care due to high cost!
  • Chronic and critical illnesses may result in the inability to perform activities of daily living such as bathing or dressing yourself without help or assistance.
  • Alzheimer’s is the most expensive problem in the U.S., costing families and society $157 billion to $215 billion a year

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.

​Premium Examples Below: Contact us for actual premium quotes

Hybrid Life Insurance Plans

Hybrid Life insurance Means Living Benefits (LB)