Transcript Document

LIVING BENEFITS
by
34 Years as
Financial
Advisors
Thousands
of
Families
by
David Thawley
and
Julia Thawley, MBA
Licenses
CA - OC85026 / 0593378
NV – 699548 / 715125
Why Do You Buy Life Insurance?
PROTECT Your Family What If You LIVE?
Introducing
a Revolutionary,
NewSolution
Kind of Life
LIVING
BENEFITS
are the Ultimate
for
Insurance
That Your
MostFamily’s
People Don’t
Know
Exists
Safeguarding
Financial
Security!
The 3 Living Benefits…
CRITICAL ILLNESS
CHRONIC ILLNESS
TERMINAL ILLNESS
Living Benefits are Automatically Included in the Policy
AT NO ADDITIONAL PREMIUM!
Accelerated Benefit Riders – Critical Illness
Heart Attack
Stroke
Invasive Cancer
Blindness
Coronary Artery Bypass
Leukemia, Lymphoma
Multiple Myeloma
End-stage Renal Failure
Coma, ALS
Severe Burn
Major Organ Transplant
Arterial Aneurysms
Central Nervous System
Disease
Paralysis, Loss of Limbs
(All Critical Illnesses may not be available in
all states or with all life insurance carriers)
(
This Benefit allows you to “accelerate” the payment of a
portion of your life insurance proceeds BEFORE your death.
Amount paid is based on age, severity of illness and
face amount of coverage.
A True Critical Illness Story
Juan (Johnny) - Obtained a
new $500,000 Life Insurance
policy with Living Benefits.
8 months later he was diagnosed with
STOMACH CANCER
A True Critical Illness Story
$344,033
Imagine what this family experienced when they received
this LIVING BENEFIT CHECK!
Accelerated Benefit Riders – Chronic Illness
2 of 6 Daily Living Activities*
or Cognitive Impairment
For a period of 90 consecutive days.
*Daily Living Activities:
Bathing
Toileting
Continence
Dressing
Transportation
Eating
This Accelerated Benefit provides an income to the
insured in the event of illness or accident that pays a
monthly payment for up to 50 months.
Accelerated Benefit Riders: Terminal Illness

This benefit provides a payment
in the event insured is diagnosed
with a terminal illness with life
expectancy of less than 24
months.

This Benefit also allows you to
“accelerate” the payment of a
portion of your life insurance
proceeds BEFORE your death.
Accelerated Benefit Riders – Terminal Illness
Funds Can be Used for Anything
Pay Medical Expenses or
Seek Alternative Treatment
Bucket List
Payoff Your Home
College Funding
A True Terminal Illness Story
Cora - Obtained a new
$500,000 Life Insurance policy
with Living Benefits.
1 year later she was diagnosed with
TERMINAL THROAT CANCER
A True Terminal Illness Story
$380,186
Cora purchased a home for her daughters, paying all cash.
Sadly, she passed away one month later.
Living Benefits provide us with
Options and Choices to protect
our Family’s Well-Being.
Every
Family
Needs
Living
Benefits!
Living Benefits…Three Forms of Coverage
Indexed
Universal Life
• Lifetime
coverage to
age 121
• Living Benefits
• Cash Value
Growth
Term Life
Insurance
•
•
•
•
Lowest cost
No cash value
growth
Insurance only
Coverage to
age 85
Living Benefits
Guarantee
Universal Life
• Lifetime coverage
to age 121 if
premiums paid
• No cash value
growth
• Living Benefits
• Lifestyle Income
Rider
The material in this presentation is not intended
to provide any specific tax and/or legal advice.