Why you should choose Living Benefit Life Insurance instead of Traditional Life Insurance

Here are simple reasons why getting life insurance with living benefits is a better option:

  • Keep Your Home Safe: If something happens to you, life insurance can help your family pay off the mortgage, so they don't lose the house.

  • Act as income replacement in case of illnesses: Living benefit life insurance will pay out a big amount of money in case of illness, accident, injury temporarily or permanently, taking a burden off your shoulders.

  • Support for Loved Ones: Lastly, life insurance ensures your family gets financial help if you pass away unexpectedly, helping them stay afloat during a tough time.

    These reasons show how life insurance with living benefits can provide stability and security for you and your loved ones.

Then what is the difference between having FULL Living Benefit and other traditional life insurance?

Not all Living Benefits are created equal. While many companies claim that they have some type of Living Benefits, most of the time they only have Terminal Illness (pays out if client is confirmed to be passed away within a certain amount of month)

With our preferred partners, your policy includes these Living Benefits at no extra cost:

  • Terminal Illness: Pays out if the insured has an illness or chronic condition that can reasonably be expected to result in death in 24 months or less

  • Critical Illness: Pays out a lumsump amount in the event of 1 of 17 major medical conditions, including cancer, heart attack, stroke, etc.

  • Critical Injury: Pays out a lumsump amount in the event of brain injury, severe burn, coma, and paralysis.

  • Chronic illness: covers when you are unable to perform, without substantial assistance, two of the six normal activities including include bathing, continence, dressing, eating, toileting, and transferring, for over 90 days.

    By choosing our preferred partners, you get a comprehensive set of Living Benefits, ensuring financial protection in various situations without added expenses.

What if I already have an active Life Insurance from other company?

If you're looking to compare or transfer your existing permanent life insurance policy with cash value from another company to ours, here's how we can make it happen:

Step 1: Review Your Current Policy: Let's take a look at your current policy to understand its details, including cash value, coverage, and any benefits it offers.

Step 2: Explore Your Options: We'll discuss the different type of options we offer and find one that aligns with your needs and goals.

Step 3: Apply for the New Policy: Once you've chosen an option, we'll help you with our simple application process.

Step 4: Get Approval: Our team will review your application, and once approved, we'll move forward with the rollover.

Step 5: Coordinate the Rollover: We'll work with your current insurance company to transfer your policy and its cash value to ours. You won't have to call them.

Step 6: Confirm the Transfer: Once everything is in place, we'll review the details with you and finalize the transfer.

Step 7: Manage Your New Policy: After the transfer, we'll be here to support you with any updates or questions about your new policy.

If you have any questions or need assistance at any point, feel free to reach out. We're here to make the process smooth and straightforward for you.

"Disclosure Statement:

The information provided on this website regarding retirement planning, life insurance, and financial advices are based on the collective experience and knowledge of our team. We strive to offer accurate and up-to-date information to assist our visitors in making informed decisions about their financial futures. However, we recommend you to discuss your specific financial goals and circumstances with our agent personally to provide the most accurate information and solution base on your needs and goals. Our website serves as an educational resource and we are not responsible for any actions taken based on the information provided on this website without consulting with directly. Visitors are encouraged to conduct their own research and seek professional guidance when making financial decisions."

GET IN TOUCH

(by appointment only - no walk in)

  • Office 1:

    1160 Dairy Ashford Rd, Houston TX

  • Office 2:

    4010 Lake Washington Blvd, Kirkland, WA

  • Office 3:

    9080 Laguna Main, Elk Grove CA

  • Email: [email protected]

  • Phone: (346) 908-0928