Chronic Illness
Unable to perform 2 of 6 activities of daily living for at least 90 days, or needs constant supervision due to severe cognitive impairment.
Activities of daily living
- Bathing
- Continence
- Dressing
- Eating
- Toileting
- Transferring
Living Benefits
A cash benefit of up to $2 Million for a major chronic, critical, or terminal illness.
Protection When It Matters Most
Included in our QoL Term Insurance.
Key features
Combined term life and living benefit
One policy, both protections.
Access up to $2 million
For qualifying conditions.
Funds for any expense
Care, travel, lost income, or anything else.
Fully accelerated or partial
Take the full benefit or part of it.
Level premiums
Locked in for 10, 20, or 30 years.
Critical Illness vs. Living Benefit
| Critical Illness | Living Benefit | |
|---|---|---|
| Typical Benefit | $10K – $50K | $100K – $500K |
| Typical Premium ($50K) | $100/month | $25/month |
| Trigger Conditions | 5 – 10 | 20+ |
| Death Benefit | Limited to triggers | Unlimited Causes |
| Catastrophic Plan | $0 | $100,000 |
Qualifying Conditions
Critical Illness
Diagnosed with one or more of 17 critical illnesses.
Terminal Illness
Diagnosed with an illness expected to result in death within 24 months.
Qualifying critical conditions
- ALS
- 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
- Coma
- Paralysis
- Severe Burns
- Traumatic Brain Injury
Example Monthly Rates
| Face Amount | Age 18-35 | Age 36-40 | Age 41-45 | Age 46-50 | Age 51-55 | Age 56-60 | Age 61-65 |
|---|---|---|---|---|---|---|---|
| $100K | $20 | $20 | $29 | $42 | $69 | $59 | $97 |
| $250K | $26 | $34 | $53 | $77 | $124 | $124 | $195 |
| $500K | $44 | $62 | $98 | $142 | $142 | $219 | $383 |
| $750K | $63 | $90 | $144 | $130 | $205 | $314 | $552 |
| $1M | $80 | $158 | $373 | $270 | $267 | $408 | $743 |
Sample standard non-smoker rates for term insurance with living benefits. Individual rates will vary depending on underwriting.
Protect Your Family Today
Get a quote for term life with living benefits.