Personal Insurance Services

Safeguard yourself and your loved ones with comprehensive personal insurance. Whether it’s protecting your health, life or your peace of mind, our plans are designed to cover life’s unexpected moments and provide the security you deserve.

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Individual Life Insurance

Ensure financial security for your loved ones with a tax-free death benefit, covering essential expenses like mortgage payments and education costs.

Individual Health Insurance

Gain peace of mind with Individual Health Insurance. This policy covers essential medical expenses, offering financial protection for doctor's visits, hospital stays, and prescription medications.

Child Life Insurance

Provides financial protection for a child, ensuring a payout to beneficiaries in the event of the child's death. It can also offer guaranteed coverage and lower premiums in adulthood.

Long-Term Disability Insurance

Protect your income with Long-Term Disability Insurance, covering living expenses during extended periods of illness or injury.

Long-Term Care Insurance

Provides financial support for extended care needs due to chronic illness or aging, covering services such as nursing home care, assisted living, and home health care.

Medicare Supplement Insurance

Provides additional coverage for costs not covered by Medicare, including deductibles, copayments, and coinsurance. Helps reduce healthcare expenses.

Individual Retirement Accounts

Tax-advantaged accounts for saving money for retirement. Main types include Traditional, Roth, SEP, and SIMPLE, each with different tax rules and benefits.

Annuities

Financial products that provide regular income in exchange for an upfront investment, usually used for retirement.

High Net Worth

Tailored coverage for individuals with significant wealth, protecting assets like homes, cars, art collections, and more. It ensures comprehensive financial protection and peace of mind for those with complex financial portfolios.

Valuable Possessions Insurance

Protects your high-value items like jewelry, art, collectibles, and electronics against loss, theft, or damage, whether at home or on the go. It ensures that your most prized possessions are covered, giving you peace of mind.

Wedding Insurance

Wedding insurance is your peace of mind. It protects your big day from unexpected issues like bad weather, vendor problems, and lost rings. Ensure every moment of your wedding is perfect and worry-free.

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LIVING BENEFITS LIFE INSURANCE

BENEFICIOS EN VIDA

Life Insurance You Can Use While Alive

Our optional Accelerated Benefits Riders allow you to access your death benefit while still living to help cover the costs of a qualifying event.

Terminal Illness
Chronic Illness
Critical Illness or Critical Injury

WHAT QUALIFIES?

TERMINAL ILLNESS

If a doctor certifies that you have a terminal illness expected to result in death within 24 months.

CHRONIC ILLNESS

A doctor has certified, within the past 12 months, that you cannot perform at least two out of six "daily living activities" for 90 consecutive days without help, or that you have cognitive impairment.

ACTIVITIES OF DAILY LIVING

1. BATHING 2. CONTINENCE 3. DRESSING 4. EATING 5. TOILETING 6. TRANSFERRING

CRITICAL ILLNESS

• ALS (LOU GEHRIG’S DISEASE)

• AORTA GRAFT SURGERY

• APLASTIC ANEMIA

• BLINDNESS

• CANCER

• CYSTIC FIBROSIS

• END STAGE RENAL FAILURE

• HEART ATTACK

• HEART VALVE REPLACEMENT

• MAJOR ORGAN TRANSPLANT

• MOTOR NEURON DISEASE

• STROKE

• SUDDEN CARDIAC ARREST

CRITICAL INJURY

• COMA

• PARALYSIS

• SEVERE BURNS

• TRAUMATIC BRAIN INJURY

RECEIVING YOUR BENEFIT

TERMINAL ILLNESS

If a doctor certifies that you have a terminal illness expected to result in death within 24 months.

CHRONIC ILLNESS

ACTIVITIES OF DAILY LIVING

1. BATHING 2. CONTINENCE 3. DRESSING4. EATING 5. TOILETING 6. TRANSFERRING

CRITICAL ILLNESS & CRITICAL INJURY

The discounted benefit you receive for the critical illness or critical injury rider takes into consideration four different categories

dependent on the severity of the illness:

• MINOR • MODERATE • SEVERE • LIFE THREATENING

The highest payout will result from the Life Threatening category. Generally, the rider needs to be in force for 30 days prior to diagnosis in order to accelerate. There is no annual limit, but there is a lifetime limit on the amount of benefits you can receive from all Accelerated Benefits Riders.

HERE IF YOU NEED IT

TERMINAL ILLNESS

You can elect to either:

• Request the full acceleration, on a discounted basis, and use the lump-sum as you wish.

• Choose to leave a portion of the policy’s death benefit intact and receive a partial benefit.

• Choose to leave the entire policy intact for your beneficiary.

CHRONIC ILLNESS

Note that you do not have to be in a licensed facility to receive payments, and that you can apply for benefits every 12 months.

Benefits can be used for any reason (with 1 state exception), and do not need to be used for medical expenses. If you should need it, and you qualify, after the waiting period you can:

• Accelerate portions of your death benefit every year to receive benefit payments.

• Leave the policy intact for your beneficiary.