{"id":205,"date":"2024-12-08T12:45:15","date_gmt":"2024-12-08T12:45:15","guid":{"rendered":"https:\/\/securelifefinancialllc.com\/secure\/?page_id=205"},"modified":"2025-02-09T19:41:50","modified_gmt":"2025-02-09T19:41:50","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/securelifefinancialllc.com\/secure\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#73be6b” custom_padding=”0px||0px||true|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”1″ _builder_version=”4.27.4″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][dizo_image_hover image=”https:\/\/securelifefinancialllc.com\/secure\/wp-content\/uploads\/2024\/12\/life_insurance-scaled.jpg” effect_style=”adv” advanced_style=”dzhvr-border-reveal-cc-2″ button_url_new_window=”1″ module_link_url_new_window=”1″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/dizo_image_hover][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_slider _builder_version=”4.27.4″ _module_preset=”default” background_enable_pattern_style=”on” background_pattern_style=”ogees” background_pattern_color=”rgba(0,0,0,0.09)” background_pattern_size=”custom” background_pattern_width=”7px” custom_padding=”101px||101px||true|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_slide heading=”Life Insurance with living benefits” button_text=”REQUEST A CONSULT” button_link=”#popup” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#73be6b” body_text_color=”#565656″ background_color=”#FFFFFF” background_enable_color=”on” custom_button=”on” button_font=”|700|||||||” background_layout=”light” hover_enabled=”0″ header_text_align_tablet=”center” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” body_font_size_tablet=”” body_font_size_phone=”14px” body_font_size_last_edited=”on|phone” global_colors_info=”{}” sticky_transition=”on” sticky_enabled=”0″]<\/p>\n

<\/a>Most people buy life insurance so that their loved ones have financial security if they die. But life insurance could also benefit you while you\u2019re still alive. Some life insurance policies come with living benefits\u2014funds you can tap into while you\u2019re still alive. These living benefits exist to provide financial support if you are diagnosed with a terminal illness, chronic illness or require long-term care.<\/p>\n

Though no one likes to believe that a serious illness could happen to them, the truth is that it\u2019s fairly common. For instance, close to 40% of people will be diagnosed with cancer in their lifetime. And research from the American Society of Clinical Oncology finds that treatment could cost around $20,000 to 30,000 a year, about half of the average annual U.S. household income.<\/p>\n

There is also a 70% chance that the average 65-year-old will need long-term care services, according to the U.S. Department of Health and Human Services. *<\/p>\n

*Source –Life Insurance With Living Benefits \u2013 Forbes Advisor<\/a><\/p>\n

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Living benefits come in the form of life insurance riders attached to a life insurance policy. Sometimes they\u2019re also known as accelerated death benefits and are available on both term life insurance and permanent life insurance policies.<\/p>\n

Living benefits essentially allow the insured to access money from the policy\u2019s death benefit while they\u2019re still alive. These funds can be used to pay for expenses associated with terminal or chronic illness, such as medical care, hospice or nursing home care, in-home caretakers and more. The trade-off is that accessing living benefits reduces the death benefit available to your beneficiaries when you die.<\/p>\n

Examples of common living benefits include:<\/strong><\/p>\n

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If you are given a terminal diagnosis with a life expectancy of six months to two years (exact timeline depends on the insurer), you can use this rider to cover end-of-life care and other associated expenses. Often, a terminal illness rider is automatically included in the policy without extra cost, but you should check with your insurer to find out.<\/span><\/p>\n

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This rider applies if you\u2019re diagnosed with a chronic illness that prevents you from performing at least two of the six \u201cactivities of daily living\u201d (ADLs). These are bathing, eating, getting dressed, toileting, transferring and continence.<\/span><\/p>\n

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You can also access living benefits with a critical illness rider, covering qualifying illnesses that shorten life expectancy and have high medical costs. Examples include heart attack, stroke and kidney failure.<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.27.4″ _module_preset=”default” animation_style=”flip” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Long-term care” image=”https:\/\/securelifefinancialllc.com\/secure\/wp-content\/uploads\/2024\/12\/retention.svg” image_icon_width=”12%” content_max_width=”100%” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#122d7c” body_font=”|600|||||||” body_text_align=”center” body_text_color=”#122d7c” background_color=”#FFFFFF” custom_padding=”10px|10px|10px|10px|true|true” border_radii=”on|15px|15px|15px|15px” border_color_all=”#122d7c” box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

This rider allows you to access living benefits if you need to pay for long-term care services and you can\u2019t perform at least two of the activities defined under ADL guidelines.<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”0px||0px||true|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row use_custom_gutter=”on” gutter_width=”1″ _builder_version=”4.27.4″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_slider _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_slide heading=”SecureLife Financial\u2019s life insurance solutions help you protect what matters most, offering security and stability for your family\u2019s future.” use_bg_overlay=”on” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_align=”center” header_font_size=”28px” header_line_height=”1.3em” background_image=”https:\/\/securelifefinancialllc.com\/secure\/wp-content\/uploads\/2024\/12\/banner-family-embracing-sea-beach-summer-family-vacation-horizontal-banner-holiday-travel-background-mother-father-boy-looking-future-holding-hands-summer-back-view-scaled.jpg” background_enable_image=”on” parallax=”on” parallax_method=”off” header_text_align_tablet=”center” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” global_colors_info=”{}” sticky_transition=”on”][\/et_pb_slide][\/et_pb_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.27.4″ _module_preset=”default” border_color_right=”#000000″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”What are living benefits?” use_icon=”on” font_icon=”||fa||900″ _builder_version=”4.27.4″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#112f49″ header_font_size=”30px” body_text_align=”justify” body_text_color=”#112f49″ text_orientation=”justified” height=”430px” custom_padding=”20px|20px|20px|20px|false|false” border_radii=”on|15px|15px|15px|15px” box_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

There are some special benefits tied to our life Insurance solutions provided by optional riders. We call them Living Benefits, & we have been providing them year in and year out.\u00a0Living Benefits can provide MUCH NEEDED cash should a qualifying terminal, chronic or critical illness or critical injury occur, or if your objective is to have an income that you can\u2019t outlive.<\/p>\n

The best way to get an understanding of the AMAZING impact Living Benefits can have is to hear from policy owners who have actually used them.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Living Benefits Explained” use_icon=”on” font_icon=”l||divi||400″ _builder_version=”4.27.4″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#112f49″ header_font_size=”30px” body_text_align=”justify” body_text_color=”#112f49″ text_orientation=”justified” height=”430px” custom_padding=”20px|20px|20px|20px|false|false” border_radii=”on|15px|15px|15px|15px” box_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

The\u00a0<\/span>Living Benefits<\/b>\u00a0Riders, or\u00a0<\/span>Accelerated Benefit Riders<\/strong>\u00a0(ABRs) help provide peace of mind at a time when the LAST thing you need to worry about is money. It allows the policy owner to have access to an early (accelerated) payout of the death\u00a0<\/span>benefits within your policy\u00a0<\/b>if the insured is diagnosed with a qualifying illness or injury.<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Popup – #popup” module_id=”popup” module_class=”popup” _builder_version=”4.27.4″ _module_preset=”default” width=”50%” animation_style=”bounce” da_is_popup=”on” da_popup_slug=”popup” da_disable_devices=”off|off|off” border_radii=”on|30px|30px|30px|30px” global_colors_info=”{}” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][dvppl_cf7_styler use_form_header=”on” form_header_title=”GET A QUOTE” cf7=”331″ form_field_padding=”15px|15px|15px|15px|true|false” form_background_color=”RGBA(255,255,255,0)” _builder_version=”4.27.4″ _module_preset=”default” form_field_font_font=”||||||||” form_field_font_text_color=”#122d7c” form_field_font_font_size=”14px” placeholder_text_color=”#122d7c” title_font=”|700|||||||” title_text_color=”#122d7c” title_font_size=”50px” custom_submit_button=”on” submit_button_text_size=”21px” submit_button_text_color=”#ffffff” submit_button_bg_color=”#70be6a” submit_button_border_width=”0px” submit_button_border_radius=”25px” submit_button_font=”|600|||||||” submit_button_custom_margin=”20px||||false|false” border_color_all_field=”#122d7c” global_colors_info=”{}”][\/dvppl_cf7_styler][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t
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\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t<\/div>\r\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>Most people buy life insurance so that their loved ones have financial security if they die. But life insurance could also benefit you while you\u2019re still alive. Some life insurance policies come with living benefits\u2014funds you can tap into while you\u2019re still alive. These living benefits exist […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"class_list":["post-205","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/pages\/205","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/comments?post=205"}],"version-history":[{"count":29,"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/pages\/205\/revisions"}],"predecessor-version":[{"id":830,"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/pages\/205\/revisions\/830"}],"wp:attachment":[{"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/media?parent=205"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}