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Life Insurance With Living

Benefits

Focus on Life! If you need Long Term Care or get hit with

family to help with unforeseen expenses.

a nasty illness like cancer the policy pays you and your

Apply Now!

Trusted By

Chronic Illness Accelerated Benefit Rider

A chronic illness is an illness or physical condition that was initially certified by a Licensed healthcare practitioner within the past 12 months and affects the insured Person so that he or she:

  • Is unable to perform at least two of the six Activities of Daily Living (ADLs)
  • Or, Requires substantial supervision by another person to protect the Insured Person from threats to health and safety due to severe cognitive impairment.
  • ADLs: Bathing, Dressing, Toileting, Transferring, Continence, Eating

A critical illness or condition is defined as:

  • Heart Attack
  • Major Organ Transplant
  • Stroke
  • Invasive Cancer
  • Blindness
  • End Stage Renal Failure
  • Paralysis
  • Amyotrophic Lateral Sclerosis (ALS – or Lou Gehrig’s disease

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