tHE MOST IMPORTANT BENEFITS MOST LIFE POLICIES DON'T HAVE!!!

LIFE INSURANCE CAN’T HELP IF YOU’RE ONLY HALF DEAD!

One of the main reasons people hate paying for life insurance is the only way somebody benefits from it is someone has to die?

With policies nowadays only some include living benefits......so in case you have a heart attack stroke cancer or require long-term care these policies can advance your death benefit to help alleviate financial problems. 

Some plans can include return of premium rider so at the end of the term you can get back all the money you paid into it. So don't waste your time on cheap term life, find out what the real deal is about policies that cover many of the things that life can throw at you!!!

We can help you investigate options and review coverages to figure out what's right for you let us know for a new obligation meeting @ 877-967-4766 or www.yourmoneyprotectors.com

                   Living Benefits Can Offer Peace of Mind

If you are diagnosed with an unexpected illness, lost income and medical expenses can take a toll on a family budget.  Living Benefit Riders can help offer peace of mind at a critical time.  These benefits give you access to an early (accelerated) payout of the policy death benefits if you are diagnosed with a Critical, Chronic, or Terminal Illness.

The best thing is, these Living Benefits are included with your HMS Plus policy at no additional cost to you.  Having access to this money could make an important difference in the quality of your life and the lives of your loved ones.

Critical Illness Rider

The Critical Illness Rider will pay you a lump-sum benefit if you are diagnosed with a qualifying critical illness such as invasive cancer, stroke, or heart attack.

Chronic Illness Rider

In the event of a catastrophic health crisis where you are unable to perform 2 activities of daily living in a 90-day period, the Chronic Illness Rider will pay you a lump-sum benefit to help you cover your medical treatments and other expenses.

Terminal Illness Rider

The Terminal Illness Rider will pay you a lump-sum benefit if you are diagnosed with a qualifying terminal illness where death is expected in 12 months or less.  This money can be used for any reason.

Coverage if disabled or unemployed

When you select the optional Waiver of Premium Rider, your monthly premiums may be waived if you become totally disabled.  The Involuntary Unemployment Waiver of Premium Rider will be added automatically when the Waiver of Premium Rider is selected.  With this extra protection, your premium may be waived and you can keep your valuable coverage during a total disability or a period of involuntary unemployment.

Receive your money back if you never use the coverage

Hopefully, you will outlive your life insurance in good health.  With the benefit of life insurance protection while you need it, and the option to receive your money back when you may not need the coverage.  At the end of the no-lapse guarantee period, your cash value will equal 100% of the premiums paid in the base policy, less any loans.  You may request to terminate your coverage and receive 100% of the base premiums back.

Provides extra money if you become disabled

When you select the Disability Income Rider, you will receive a monthly income up to $2,000 for up to two years in the event you become totally disabled.  Money paid to you under this optional benefit rider can be used to help pay for your mortgage or other bills.

*NOT ALL BENEFITS/PROGRAMS AVAILABLE IN ALL STATES TALK TO YOUR AGENT TO LEARN MORE*

Discover the advantages of insuring with Steven G Kiel Sr Learn more.