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Life Insurance
Life insurance provides financial assurance to your beneficiary/beneficiaries if you pass away. Additionally, numerous life insurance choices offer different benefits and financial options you can take advantage of while you are living. If difficult financial times arise because of a chronic, critical or terminal illness, life insurance can cover these hardships.
The “Accelerated Death Benefit Rider” can alleviate financial burden due to illness. We refer to it as real Living Benefits. These benefits help you and your family, so the stress of a major health issue does not become a monetary stress as well. The Living Benefits provides the insured with financial benefits if they become critically, chronically or terminally ill. These benefits can be made available to the insured and their family during difficult times of illness. Doctors Insurance One specializes in Living Benefits to support your family’s financial stability.
Term Life Insurance (Death benefit)
After you pass away, your life insurance plan will give salary tax-exempt money to your named recipient(s). These funds can be used to pay funeral expenses, debt, tuition, estate taxes, or any other financial need. The Death Benefit can also give security to your business. You can appoint people to purchase your financial stake in your company.
Whole Life Insurance
Whole life insurance is a type of life insurance as an investment opportunity. By paying your premiums, the insurance is in place for your whole life. This type of insurance can be a venture opportunity, as it can manufacture cash value after some time.
The cash value growth of a Whole Life Insurance policy is assessment conceded, which means you do not pay taxes on the growth of cash value unless money is pulled out as an advance. Advances or withdrawals can be taken against the cash value of a Whole Life Insurance policy to help with expenses. For example, paying for school tuition or a down payment on a home.
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Living Benefits Facts
HEALTH INSURANCE ALONE DOESN’T COVER ALL THINGS FOR ALL PEOPLE.
In fact 62% of bankruptcies are due to a critical illness and 75% of those who filed for bankruptcy had a health insurance policy.
Men have a 1 in 2 risk of developing cancer during their lifetime and women have a 1 in 3 risk, yet nearly two-thirds of cancer-related costs are NOT medical.
MOST LIFE INSURANCE POLICIES JUST PAY OUT AT DEATH. HOWEVER, THAT IS NOT HOW OUR PLANS WORK.
Our life insurance has living benefits; benefits you do not have to die to use!
If you experience a terminal, chronic or critical illness, you can access your death benefit while living; illnesses include experiencing a heart attack, cancer, stroke, ALS, major organ transplant, the inability to perform 2 out of 6 activities of daily living (toileting, transferring, bathing, eating, etc.) and other ailments.
CRITICAL: Pays a lump sum benefit should you suffer from a triggering illness such as cancer, heart attack, stroke, Lou Gehrig’s disease (ALS), blindness due to diabetes, kidney failure or major organ transplant, and more.
CHRONIC: Pays a monthly benefit should you become diagnosed as chronically ill and unable to perform two daily activities such as bathing, dressing, eating, or due to cognitive impairment. This benefit is paid annually (up to 24% of your death benefit). Policy must be in-force for 2 years.
TERMINAL: Pays a benefit if you are diagnosed with a terminal illness resulting in life expectancy of less than 12 months (24 months in some states). This can be used for experimental medicine, prepare for final expenses or any other purpose you feel necessary.
LIVING BENEFITS: The products we offer provide a combined solution that you can afford to have, but cannot afford to be without. These benefits can help protect your plans for today – and tomorrow. We like to refer to it as “Life Insurance You Don’t Have to Die to Use.”
Our living benefits are included at no additional cost on Term, Universal Life, and Index Universal Life insurance policies.
