Living Benefits have been around for 20 years, yet most Americans still don't know what they are or what they do. Living Benefits allow policy-holders to access their death benefit to get money in their hands when they need it most if they suffer a heart attack, stroke, cancer, or other qualifying illness. And the best part is, these benefits come at NO EXTRA COST.
Jim Johnston was healthy – he surfed, he golfed, and was active. He had no reason to think he was going to get diagnosed with cancer. When he discovered a lump under his jawline while shaving, his world was changed in an instant. Watch as Jim and his wife Anne relive his unexpected throat cancer diagnosis, and how his Living Benefits life insurance policy ultimately saved them from financial disaster.
When Amanda Thomas was diagnosed with thoracic cancer shortly after delivering their fourth child, her family’s world was turned upside down. She would spend a year out of work while undergoing grueling chemo treatments. Her job dropped her from their health insurance. Her paychecks stopped coming in. Thankfully, Amanda and her husband Eugene had prepared for this very situation back when she was healthy by putting a Living Benefits life insurance policy in place.
Kevin Hay was a perfectly healthy man in his 40's, running a successful chiropractic practice and raising six kids with his wife, Shannon. He started funding an IUL policy with Living Benefits as a means to plan for retirement. Kevin had no way of knowing how that decision would wind up shaping the future of his family for generations to come.
When business owner Devan Shockley was diagnosed with a malignant melanoma in his calf, he and his wife Cathleen were shocked to find that their excellent health insurance left a gap of more than $30,000 to treat his cancer. To their vast relief, Living Benefits was available on their life insurance policy, and they were able to accelerate nearly $200,000 to get the relief they needed en route to a full recovery.
Latasha McCray was living her life to the fullest - she was in perfect shape, had a great job and a financial plan for the future. But when a breast cancer diagnosis turned her world upside down, Latasha found all of her well-laid plans crumbling around her. Watch as Latasha tells the story of how her Living Benefits life insurance plan sprung into action at the time she needed it most, leaving her plenty of money to replace her lost income and pay for all of her medical treatments.
When Miss Genova's friend Alberto Carballeira approached her about Living Benefits life insurance, she was hesitant at first. But after learning about how Living Benefits could allow her to access her death benefit while she was still living if she ever got sick, Elizabeth saw the value in it and put a policy in place for herself. She had no idea how fateful that wise decision would prove to be.
Sophia Dudley was young, healthy, and had just given birth to her and husband Carlton’s fourth child. Life was good – until Sophia was shopping at the local supermarket and suffered three consecutive heart attacks. In an instant, this two-income family dropped to a zero-income family as Carlton had to take off work to care for Sophia and their children. Listen as the Dudley's describe what living benefits was able to do for them, and how it saved them from financial disaster. Click to watch
Policyholder Dorothy Ferguson had no idea when she bought her policy that she would soon face an life-or-death battle with breast cancer. Listen to how Living Benefits helped Dorothy pay for her treatments when her health insurance couldn't, and make a full recovery as a result. Click link to watch video.
When Ronald Webb bought a mortgage protection plan in 2005, he had no idea how crucial that decision would prove to be a few short years later. After being diagnosed with lung cancer, Ron soon found himself struggling to pay for the hospital bills that were stacking up. Living Benefits allowed him to get much-needed cash in his hands that kept his financial household in order while he got the treatment he needed to make a full recovery. Click link to watch video.
Dave Disco lives in Tulsa, Oklahoma with his wife and five children. When he experienced two heart attacks within two weeks, including the two life flight helicopter rides that went with them, he quickly found himself in dire financial straits. Over $150,000 worth of bills piled up within weeks. Luckily, Dave was protected with Living Benefits, and was able to accelerate $289,000 from his policy to help pay for those costs. Click link to watch video