Many families have life insurance,
but many do not have Living Benefits.
Ask us about Living Benefits

We understand that many families already have Life Insurance, but in today's many life situations, the new kind of life insurance can provide the much needed financial resources while the insured is alive not when they are dead. Why not get the Living Benefits at no-additional cost!

You can access your policy's benefits while you are still living and suffer from:
· Chronic Illness · Terminal Illness · Critical Illness · Disability

You also have access to your policy's cash value for events such as education, a down payment on a house, or retirement.

As a family matures, their financial security matures with them - salaries increase over time, home equity is built, and savings for college and retirement begins in earnest.

Often "sandwiched" between young teenagers and aging parents, this group is keenly aware of the need for savings. Many plan to use home equity to help pay for college, and many more contribute to a 401(k) type savings program through their employer to save for their own retirement.

Whatever assets and savings this family has accumulated are the result of years of hard work, but these assets could be easily lost to a critical, chronic, terminal illness or the untimely death of one of the breadwinners. Statistically, the days of a family being able to survive on one income are gone.

Insurance products provide life insurance coverage with no-cost accelerated benefit riders for Critical Illness, Chronic Illness and Terminal Illness, and the permanent universal life products offer unique cash value features - perfectly suited to the maturing family.

Many of these families may already have life insurance that does not provide living benefits, not knowing that products with living benefits are available—and at a competitive cost!

A Living Benefits product is a logical step to protect their existing assets and continue building their financial future.

The Living Benefits plan; Four in One Plan:
• Retirement: Set money aside that earn interest guaranteed, Retire with Tax-Free Income
• Accelerated Living Benefits: cover medical bills, long-term care, and nursing care costs
• Disability Income: help cover mortgage payments, bills, and household expenses
• Life insurance: money for your family for premature death

We can provide you a no-obligation consultation to see how the Living Benefits plan can help you during the most critical times.

You may reach us at (707) 344-6062. We look forward to earning your business.
Ed Esteban, Financial Services Representative. CAI License 0F98307, WAOIC License 733869.

Learn more about Living Benefits: PLAY VIDEO