99% of Americans have Death Only "Life Insurance".
ONLY 1% have Life Insurance With Living Benefits.
Medical hardships & the bills that follow are the #1 cause of:
Bankruptcies = 62%
Foreclosures = 50%
Small business failures = 48%
99% of Americans have Death Only "Life Insurance".
ONLY 1% have Life Insurance With Living Benefits.
Medical hardships & the bills that follow are the #1 cause of:
Bankruptcies = 62%
Foreclosures = 50%
Small business failures = 48%
Death Only life insurance does not truly protect you, your family, your business or your finances. Living Benefits life insurance policies provide true protection.
Access death benefits from a term or permanent life insurance policy following a heart attack, cancer, stroke, critical injury or other critical, chronic, or terminal illnesses?
Critical illnesses and the bills that follow cause 62% of the bankruptcies in the United States. Living Benefits may save your health, your home, your business and your finances.
YES! I understand the value and knew the moment I saw Living Benefits. This is the best option for myself and my family. I'm ready to take the next steps to obtaining a Living Benefits policy.
Living Benefits Claims Testimonials
Cornelia Steinberg
Colon Cancer Survivor - Received $300,000
Her world came to a screeching halt after a colon cancer diagnosis. Cornelia had medical insurance that covered the chemo and the doctors, but it did't cover her mortgage, groceries, her daughter's school tuition or anything else - Medical insurance didn't pay her bills. An affordable Living Benefits life insurance policy saved her finances and allowed Cornelia to follow her dream.
Elizabeth Martinez Genova
Cancer - Received $239,000
Living her life to the fullest, Elizabeth served in the military, graduated law school, raised a wonderful son, and spent her spare time traveling the world and exploring different countries and cultures. Elizabeth saw the value in an affordable Living Benefits life insurance and put a policy in place for herself. That decision would prove to be one of the best choices she ever made.
Heilyn Hernandez Pages
Major Burn Survivor - Received $425,000
Doused in gasoline and set on fire, the attack left her with severe burns covering her body. As the sole provider for her household, income dropped to zero. Heilyn was able to avoid financial ruin by accelerating $425,000 from her affordable Living Benefits life insurance policy after nine months of coverage.
Joelma Dias
Stroke - Received $54,212
After a stroke, Joelma was in intensive care for four days and hospitalized for almost a month. Joelma worried about her health and worried about her bills, but when she got the check from her affordable Living Benefits life insurance policy she couldn't believe it. She was ecstatic! She had made the right decision.
What's Next?
How Do I Apply For Living Benefits...
Schedule a chat with your living benefits expert today!
Discover The Value
Click the Big Green Button below to schedule a time to chat with one of our licensed Living Benefits life insurance experts Today! With the information you provide, they will prepare great options for Life Insurance with Living Benefits.
You'll see how affordable Living Benefits are and how it makes sense to apply for Living Benefits ASAP.
You'll understand how valuable and affordable Living Benefits life insurance policies can be for you, your family, your employees and your community members!
Submit a no obligation application
One Small Step For Mankind
Within a few minutes of chatting we often find our clients asking, "Yeah, Life Insurance with Living Benefits is affordable and a No-Brainer. What do we do next to get our Living Benefits policies in place?"
Simple, we'll complete the online application together.
The process will only take about 20-30 minutes.
Relax, enjoy life, do what you Love!
Hang with the family, hit up a concert, run a 5k...
Each Living Benefits life insurance company has their own internal underwriting process and timeline. For the next one to three weeks on average, do what you would normally do until your personalized offer is ready.
Some will... some won't...
More info, Please :-)
We'll let you know if and when the Living Benefits Life Insurance Company requires additional information or a no-cost physical to complete their underwriting process.
The Time Has Come!
YOUR OFFER IS READY
We're truly excited for you! Your affordable Living Benefits life insurance policy offer is ready and now it's time to secure your Life Insurance policy with Living Benefits ASAP. Congratulation, Green Light, you're good to go!
Enjoy the calm, sleep well at night, feel the power!
Tell the world about Living Benefits!
You now have the protection and peace of mind you were looking for when you started down the path to obtain an affordable Living Benefits life insurance policy.
If a major medical event strikes, you can rest confidently knowing you have options and financial resources to pursue them. T'was a good day when you said YES to Life Insurance with affordable Living Benefits!
Now we just need to help the other 325,000,000 Americans get out of that "Death Only" life insurance stuff. . .
Feel free to share our information with your friends, family, community members, associations, education system, etc.
We love referrals.
PS - We're hiring, share This Link with anyone that wants a mission, cause and purpose driven career - Click Here
Who's a Perfect Candidate for Living Benefits?
Here are the types of people who should seriously consider applying for an affordable living benefits life insurance policy.
Caretakers
Homeowners
I Do'ers
Sand Dune Flippers
Ready For Responsibility
Ready for Responsibility
Energetic Generations
Business Owners/Staff
Those Who Shower
Wanderers
Tiny Tots
Animal Lovers
Ballers
Water Drinkers
Savers
Road Trip Takers
Million Dollar Babies
When Should One NOT Apply for Living Benefits?
Since 9 out of 10 Americans could likely file a living benefits claim in their life, these are examples of those who should not apply for an affordable living benefits policy...
Superman
Zombies
Dinosaurs
The Real Elvis
Ghosts
Rubber Ducks
Vampires
Avocado Tacos
Frequently Asked Question
Answers to our most common questions
Affordable Living benefits are riders that usually come at no additional cost. Living benefits can also be referred to as accelerated death benefits or living needs benefit riders depending on the insurance company who is providing the life insurance with living benefits.
The purpose of living benefits allows the policy owner an opportunity to use the life insurance death benefits (or face amount) early in the case of major injury, terminal illness, critical illness or other defined medical condition.
This is crucial, serious illnesses and injuries could affect your ability to earn an income. 62% of bankruptcies occur due to medical hardships and the bills that follow.
Those who experience serious medical conditions have a high probability of eliminating their savings, depleting their retirement accounts, liquidating their home's equity and going bankrupt within 6-18 months.
True life insurance with living benefits allows a policyholder to offset these concerns by accessing the life insurance death benefits prior to dying.
Living Benefits are a game-changer
Life insurance policies are not "guaranteed issue".
Everyone that desires to become a life insurance policyholder must complete an application. They also may or may not require a physical, be required to release medical records or provide additional information in order for the life insurance policy to be issued.
The steps to obtain a life insurance policy is similar no matter if the life insurance policy includes affordable living benefits or the life insurance policy does not include living benefits.
The steps to obtain a life insurance policy is also similar no matter if the life insurance policy is a term life insurance policy or a permanent life insurance policy.
It's best to connect with one of our life insurance with living benefits specialist before assuming you cannot qualify due to a past experiences or situations.
Click the Big Green Button to chat and see if you qualify for Living Benefits.
Living benefits life insurance policyholders who encounter a dramatic change in their health have the ability to access up to 75% or even up to 90% of the face amount (death benefit) from their affordable life insurance policy with living benefits.
All policyholders are required to provide proof of the medical condition, they can obtain this from their doctor.
Once a claim is submitted and approved by the life insurance company a check will be presented to the policyholder for the determined amount to be used for any expense the policyholder desires, medical related or not.
If the policyholder desires to take advantage of the living benefits within an affordable living benefits life insurance policy, the proceeds are not taxable according to the federal government.
(Post 1/ 1/1997)
However, check with a tax advisor and see what the implications may be on a state level. Living benefit proceeds from these affordable life insurance with living benefits policies may be subject to taxation at a state level.
Check with a tax advisor to obtain up-to-date state taxation rules.
You can obtain affordable living benefits life insurance policies within a term life insurance policy or permanent life insurance policy.
Permanent life insurance policies that offer living benefits include: whole life insurance policies, universal life insurance policies and indexed universal life insurance policies.
If you have a variable life insurance policy or variable universal life insurance policy you should definitely click the Big Green Button to schedule a conversation...
Life insurance policies with affordable living benefits will allow the policyholder to access between 24 and 100 percent of the life insurance death benefit. This is the case whether the living benefits life insurance policy is a Term living benefits policy or a permanent living benefits policy, such as a whole life insurance policy, universal life insurance policy or an indexed universal life insurance policy.
A living benefits claim has nothing to do with the cash value within a permanent life insurance policy such as a whole life insurance policy.
Living benefits claims have maximum payout amounts. Depending on the company, generally the most a policyholder can obtain is $1,000,000 - $1,500,000 no matter the size of the death benefit.
Once you’ve used the living benefit, the insurer will terminate this particular rider and prorate your monthly contribution.
The living benefits policyholder can choose to take 100% of the money offered from the claim or can decide to take less and leave a larger death benefit in place for the future.
Leaving a portion of the death benefit intact will allow for future living benefits claims or death benefit proceeds to the beneficiary(ies).
After the policyholder takes advantage of the living benefit payout amount, the insurer will update the policy to reflect the remaining death benefit and adjust the policyholder's contribution amounts.
This revised living benefits policy remains active until the policyholder passes away or the policy lapses.
Absolutely Not, life insurance companies offering living benefits have been around for a long time (100+/150+ years). They've thrived through economic recessions and depressions.
Affordable life Insurance with Living benefits may be the best-kept secret in life insurance industry.
The life insurance industry is So Big, So Old, and So Profitable that most life insurance companies do not need to innovate or change their sales and marketing strategies. They're still focused on making people think they need the cheapest piece of paper they can get.
This leaves most people with the belief that Death Only life insurance is the best type of life insurance that exists, which is unethical and unfortunate for the client.
One of the living benefits life insurance companies that we work with has offered affordable living benefits associated with their life insurance polices since 1937... Yes, you read that right - 1937.
Some life insurance companies have figured out how to keep profits high, while allowing their clients to benefit from affordable living benefits - it's a win-win.
Some life insurance companies have figured out that offering affordable living benefits is extremely good for business, extremely good.
While the other archaic life insurance companies are getting left behind, life insurance companies that are choosing to offer affordable life insurance with living benefits are outpacing their competition through innovation.
You can benefit from this innovation now. All you need to do is click the Big Green Button to schedule your affordable living benefits conversation.
Also, because of this massive innovation the industry needs more representatives to support the demand. If you or anyone you know would like to connect and chat about this $900 Billion Dollar opportunity, please share This Link
Stephanie Schacht
Estate Planning Lawyer & Death Doula
Stephanie Schacht, one of the best Estate Planning Lawyers in Colorado knows a lot about Life Insurance and other powerful tools needed to support estate plans. Before we met, Stephanie was recommending Death Only policies as she didn't know about Affordable Life Insurance policies with Living Benefits. Fully understanding Living Benefits life insurance, she now Recommends them to all of her clients!
Jordan Youngblade
Money Mindset & Financial Coach
On a Mission to Save your Mind, Body and Wallet, Jordan immediately applied for an affordable Living Benefits life insurance policy the second she learned what it could do for her. Saving $50/m and gaining WAY more coverage than before. "Living Benefits life insurance bridged a huge gap in risk that I've been wanting to cover for many years - It was a No Brainer! I just didn't know it existed before"
Jeff and Lara Romeo
Entrepreneur & Travel Expert - Biologist & Yogi
SKEPTIC ALERT!
Jeff is a New Yorker and he is SUPER skeptical about most things - yet after putting me through the ringer, discovering how affordable Living Benefits life insurance was, that it was real and how it could truly help him and his family he decided to get affordable living benefits policies in place for both he and his wife, Lara.
Especially since they're PREGNANT!!!
Stephanie Miller
Private Banker, Photographer, Travel Blogger
Stephanie's been in the Banking/Finance industry for 15+ years. Working with high net worth clients, she has to put EVERYTHING through a fine-toothed comb. Thankfully she did tons of research, pushed and pushed and pushed me to the limits to make sure living benefits life insurance policies were real and affordable! Stephanie Discovered that life insurance with Living Benefits were better than expected, super affordable and now tells everyone she knows.
Or maybe you'd like to chat about a career opportunity?
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