Optional Add-ons
- ✅ Return of Premium
- ✓ At the end of your policy term you get back all the premium payments you made!
When you get back all the money you've spent on premiums you'll know that this insurance policy was
basically free. But until that time comes you can feel comfortable knowing that your home investment
is fully protected and your family & loved ones never would be pressured into a quick, forced sale
at a discount.
- ✅ Living Benefit Chronic Illness
- ✓ Allows you to tap into your policy's death benefit early
- ✓ If you're diagnosed with a qualifying chronic condition
- ✓ Medical care, In-home care, Nursing home expenses
Allows you to access cash if you're diagnosed with a qualifying chronic illness that prevents you from performing at least two of six
activities of daily living (bathing, dressing, eating, toileting, transferring, or continence) or causes severe cognitive impairment.
- ✅ Living Benefit Critical Illness
- ✓ Offers access to death benefits upon diagnosis of specific life-threatening conditions, such as cancer or heart attack
- ✓ Helps cover costs associated with treatment or recovery
Allows you to access cash if diagnosed with a serious condition, such as cancer or heart attack.
- ✅ Living Benefit Long Term Care
- ✓ Provides funds for long-term care services not covered by traditional health insurance
- ✓ Can be accessed as a lump sum or monthly payments
Allows you to access cash to pay for qualifying care, such as help at home, assisted living, or nursing-home care.
- ✅ Accidental Death
- ✓ Super charge your death benefit payout to your family
- ✓ Covers death due to accidents such as airlines, car accidents, drownings, falls, poisoning, suffocation, choking, fires
Accidental death and dismemberment insurance (AD&D) pays out when the policyholder dies or is severely injured in an accident.
AD&D insurance only covers accidents, not natural death or death caused by an illness.
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