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did you know that quality of liFe plans

Can help provide Income replacement in any event that income is interrupted by a major illness or terminal illness.


QUALITY OF LIFE INSURANCE IS NOT YOUR TRADITIONAL LIFE INSURANCE PLAN. Can also be used as an Incentive Plan.
Most people purchase life insurance to provide a legacy of financial security at the time of their death. Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly, to provide financial resources to the beneficiaries in event of the death of the insured.  But how do you protect against an unforeseen illness? Doesn’t it make sense for the benefits to be extended and be available for the difficult financial times they have to face if a critical or terminal illness precedes death? This is precisely what Living Benefits provide. The industry calls the benefit an “Accelerated Death Benefit Rider.” We refer to it as real Living Benefits life insurance when it allows for the insured to file a claim or take an advance for up to $1 million or 90% of their death benefit during difficult times when they are suffering from a serious illness. More information is available. How does this actually work? Watch this video


Executive Bonus, Key Person Insurance, Employee Retention Plan, Tax-free retirement?  Yes, the Living Benefits permanent plans can be customized for various purposes to incentivize employee retention or for business continuity planning.

•Provide an income tax-free death benefit for the Key Employees or Business Owners
•Defer taxes as accumulated cash value grows inside the policy

•Potentially access that cash value using income tax-free policy loans and withdrawals, to use for retirement income or other needs


For detail information please connect with us at 1.800.533.9315.