Term Life Insurance with Living Benefits (The Hybrid Product Series)


http://brokersalliance.com (800)-290-7226
Presented by Brokers Alliance with guest co-host Joe Racich.

On Wednesday’s Show: The pair talk about the term market over the years and the additional living benefit riders that have appeared with these new combo policies. Some of these riders are embedded into the contract for free while others are standalone purchase riders.

Trendsetter® LB is guaranteed initial level premium term life insurance with Chronic, Critical and Terminal Illness Accelerated Death Benefits (ADBs) inherent in the products, subject to state availability. Trendsetter LB provides living benefits and death benefits in one life insurance solution, for clients who want an extra level of protection for their loved ones’ financial security.

Here’s an example of the leading term life insurance carriers with living benefits.

Chronic Illness Accelerated Death Benefits
• Allows the policyholder to access up to 24% of the policy face amount per year when he or she is determined by a licensed health care practitioner to be unable to perform two of the six activities of daily living (bathing, continence, dressing, eating, toileting, and transferring) for a period of 90 consecutive days, or to be suffering from severe cognitive impairment for a period
of 90 consecutive days or more.

• The maximum amount that can be accelerated over the lifetime of the insured is the lesser of 90% of the face amount of the policy or 0,000, and the minimum amount that can be accelerated is ,000 annually.

Critical Illness Accelerated Death Benefits
• Enables the policyholder to access his or her death benefit in advance of death when he or she is determined by a licensed physician to have suffered a critical health condition, such as cancer, heart attack, stroke, a major organ transplant, end stage renal failure, Amyotrophic Lateral Sclerosis (ALS), blindness, or paralysis due to the loss of two or more limbs.
• The maximum amount that may be accelerated is the lesser of 90% of the face amount of the policy or 0,000, and the minimum amount that may be accelerated is ,500.
Terminal Illness Accelerated Death Benefits
• Provides the ability to access a portion of the policy’s death benefit as a lump sum payment in advance of death when a licensed physician has diagnosed the insured to have less than 12 months to live.
• The maximum amount that can be accelerated is the lesser of 100% of the face amount of the policy or 0,000, and the minimum amount is ,000.

This video was produced by http://bizmediastudios.com/

Transamerica Living Benefits Term Life Insurance


http://topquotelifeinsurance.com – Transamerica Living Benefits is not just your typical term life insurance coverage. Transamerica has designed a whole new type of term life insurance that is creating a lot of interest when considering life insurance coverage.

Transamerica Living Benefits is a term life insurance policy. It offers all the same features of a general term life insurance policy. Transamerica Living Benefit term policys have fixed premiums for term lengths of 10, 15, 20, 25 & 30 years.

SO what makes Transamerica Living Benefits so interesting and unique? Transamerica Living Benefits term life insurance was created with a feature that gives you the ability to receive cash benefits should you become ill with a chronic, critical or terminal illness during your policy years. Yes that’s correct, cash from your life insurance policy while you are living!

For more information or to receive a quote for Transamerica Living Benefits Term Life Insurance, visit us at Top Quote Life Insurance http://topquotelifeinsurance.com/transamerica-living-benefits/

Living Benefits: The POWER of Life Insurance with Living Benefits


Learn how The Alliance Group harnesses the power of Living Benefits to protect your family not only in the event of your death, but also in the event of cancer, heart attack, stroke, or any other critical, chronic, or terminal illness. These benefits come bundled with every Alliance Group life policy we issue, and at NO additional cost to you.
Visit us at http://anallianceforlife.com

Term Life Insurance with Living Benefits | Lance Stallings


Find out how life insurance with living benefits can provide financial protection for you and your family.

Severe illnesses can happen at any time, to anyone. Fortunately, families can help protect themselves financially in their time of need with a Transamerica Trendsetter LB life insurance policy. It offers early access to the policy’s death benefit to help pay for expenses brought on by a qualifying critical, chronic or terminal illness.