Qualifying events
Provisions commonly reference critical, chronic or terminal conditions. Each insurance company defines qualifying events precisely in the policy language.
Coverage
Living Benefits
Life insurance is often thought of as something that only helps after a death. Living benefits — also called accelerated benefit riders — can change that by allowing access to a portion of your benefit while you are living, if you experience a qualifying event defined in the policy.
How it works
Understanding living benefits
Accelerating a portion of the benefit
An accelerated payment generally reduces the benefit later paid to your beneficiary. The amount available depends on the rider, the condition and the insurance company's determination.
Reading the fine print with you
We walk through which riders are included, which cost extra, and what the definitions actually require — before you apply.
Important to know
Straight talk before you decide
We would rather set clear expectations than win a sale with vague promises.
- Riders are not health insurance, disability insurance or long-term care insurance.
- Rider availability, definitions and cost vary by insurance company and by state.
- Accessing benefits early may have tax consequences and may affect eligibility for public benefits — speak with a qualified tax or legal advisor.
Your Life. Your Legacy.
Let's build the plan before you need it.
Start with a conversation. We'll listen first, walk through your options in plain language, and leave the decision with you — then stay someone you can call.