Living Benefits

The Life Insurance Perk That Can Pay You While You're Still Here!

What is your primary goal for coverage? *

When would you like your coverage to begin?

Do you use tobacco or any nicotine products? *

Are you employed?

What is your approximate total annual household income (before taxes)?

How much protection are you looking for?

Have you been hospitalized in the last 12 months?

If Yes, please explain. (This helps us know what options you'll qualify for)

In the past 5–10 years, have you been diagnosed with, treated for, or taken medication for any of these?

Emphysema/COPD (especially if on oxygen)

Cancer (except basal-cell skin cancer)

Kidney failure/dialysis or liver failure/cirrhosis

HIV/AIDS

ALS, Huntington’s, Muscular Dystrophy

Alzheimer’s, dementia, or memory disorder

None

None of the above

Are you currently taking any of these medications or in any of these situations?

Drug/alcohol treatment meds (Methadone, Suboxone, Antabuse, etc.)

Memory/dementia meds (Aricept, Namenda, etc.)

HIV/AIDS medications

Heart-failure meds (Entresto, Digoxin, etc.)

Supplemental oxygen (except sleep apnea)

Need help with daily activities or use wheelchair/walker/scooter due to chronic illness

Receiving hospice, home health, or nursing-home care

None

None of the above

If you lost your income due to a serious illness, what is your biggest fear?

Burdening family financially

Struggling with mortgage/rent

Draining retirement

Losing family's current lifestyle

Congratulations! Looks like you may qualify for life insurance with living benefits from one of our 15+ carrier partners. Fill out your contact information below to book your one-on-one call.

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Living Benefits Defined

Let's break it down by the big three triggers: terminal, chronic, and critical illnesses.

Terminal Illness Coverage: When Time Is Short, Get Support Fast

Facing a terminal diagnosis? This rider lets you accelerate a chunk of your death benefit if a doctor confirms your life expectancy is 12 months or less due to injury or disease. It's straightforward: submit medical proof, and funds arrive to ease the burden—whether for treatments, family trips, or final wishes. Your policy's remaining value shrinks proportionally, but hey, it's your money when you need it most. No more scraping by; focus on what matters.

Chronic Illness Coverage: Everyday Struggles? Access Help Without the Hassle

Chronic conditions can steal your independence, but this rider fights back. If a licensed health pro certifies you can't handle at least two of the six Activities of Daily Living (ADLs) for 90+ days without major help—or if severe cognitive issues like memory loss require constant supervision—you qualify.

ADLs are the basics:

Bathing: Washing up safely.

Continence: Controlling bowel and bladder functions.

Dressing: Putting on clothes without a struggle.

Eating: Feeding yourself.

Toileting: Managing bathroom needs.

Transferring: Moving from bed to chair (or similar).

Funds from your death benefit kick in proportionally, reducing future payouts but covering caregivers, home mods, or whatever keeps you going strong. It's like turning your policy into a lifeline for long-term care.

Critical Illness Coverage: Beat the Odds with Built-In Backup

Hit by a serious health event? This rider accelerates benefits if a physician diagnoses one of these heavy-hitters in the last 12 months: kidney failure, life-threatening cancer, dementia (including Alzheimer's), AIDS, heart attack, stroke, end-stage renal failure, major organ failure, permanent paralysis, benign brain tumor, coma, aortic aneurysm, aplastic anemia, major burns, blindness due to diabetes, or ALS.

(Pro tip: Check your carrier—ours cover most or all of these with most plans we help our clients with)

No full policy surrender needed; just proportional access to cash for recovery, rehab, or rebuilding life. It's empowerment in a crisis, turning "what if" into "we've got this."

Living benefits supercharge your life insurance, making it a true all-weather ally.

Here’s What Our Clients Think!

Thanks Drew for all your hard work in helping me to establish a fitting policy! I looked for about year & after speaking to Drew he came up with more than 1 option and with his help I'm more than satisfied with my decision.

~ Carla W.

Would like to recognize Drew for all his hard work. Called him up for an insurance policy. Drew made it real quick and easy. Checked multiple policies for me. Got me a great deal and he is always available for my calls.

~ John E.

I called Drew for help, I was hoping to get more information about an insurance policy that can cover extra benefits. He worked out a great policy for me, and honestly, I am pleased . I would definitely recommend him for any policy coverage you're interest in. Thank you, Drew!

~ Denis W.

Working with Drew was a truly great experience. He carefully reviewed my old policy and helped me finally set up the IUL I’d wanted for years…designed strategically for long-term growth and flexibility. Even with a more complex medical history, he and his team made the process feel smooth, clear, and fully supported. I’m grateful for the care, precision, and professionalism that went into building such a strong foundation.

~ Ebony K.

Drew is an outstanding person to work with for life insurance. He explains everything clearly and makes the entire process simple and stress-free. What can often feel complicated becomes smooth and straightforward with his guidance. He is knowledgeable, patient, and genuinely cares about helping you make the right decision for your family. Drew operates with honesty, integrity, and truly puts people first. I highly recommend him without hesitation.

~ Henry C.

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