A living benefits insurance policy...  A Plan to Live By

LifeStyle Protector will pay as a lump sum, the percentage or your term life insurance benefit if you are diagnosed with one of the following:

  • Cancer (Life Threatening) - 100%

  • Heart Attack - 100%

  • Stroke - 100%

  • Renal Failure - 100%

  • Major Organ Transplant - 100%

  • Terminal Illness - 100%

  • Total Disability* (Sickness or Accident) - 100%

  • Major Heart Surgery - 25%

  • HIV from a blood transfusion - 25%

  • Angioplasty - 10%

Death from any cause is a 100% benefit.
(Except suicide during the first two years.)

Pays in addition to any other insurance you have!

* 10% of the policy face amount every year for 5 years if you receive Social Security Disability Benefits, and the remaining 50% of the policy face amount at the end of 5 years if you are still receiving Social Security Disability Benefits for a total pay out of 100%.

Some exclusions and exceptions apply.  Benefits may differ or not be available in some states.  Your agent will explain the benefits available in your state.

What is Critical Illness Coverage?
LifeStyle Protector is Term Life Insurance that pays Living Benefits to an individual upon the diagnosis of a critical illness regardless of treatment, actual expenses or other coverage.  Living Benefit payments are from all or part of the Life Insurance face amount and are for covered conditions diagnosed at least 30 days after the policy effective date (60 days for cancer).

Why Critical Illness Coverage?
Almost everyone knows someone who has experienced a critical illness of some kind... and survived physically.  LifeStyle Protector is designed to help people through the financial challenges associated with survival.  

Critical Illnesses are real.  Each year in America:

  • Approximately 1.1 million people suffer heart attacks.
    (Source: American Heart Assoc., Heart and Stroke Statistical Update, 2000.)
  • Over half a million people suffer strokes.
    (Source: American Heart Assoc., Stroke Outcomes Classification, 1998.)
  • About 1.2 million people are diagnosed with cancer.
    (Source: American Cancer Society, 1999 Facts and Figures.)

Survival Rates Are Up!
Advanced medical technology is allowing many more people to survive critical illnesses that would have been fatal in the past:

  • Between 1986 and 1996, the death rate declined approximately 25% from heart attacks and almost 15% for strokes.
    (Source: American Heart Assoc., 1999 Heart and Stroke.)
  • Less than 10% of all strokes are fatal.
    (Source: American Cancer Society, 1999 Facts and Figures.)
  • The survival rate for cancer is almost 15% higher today than in 1950.
    (Source: American Cancer Society, 1999 Facts and Figures.)
  • The possibility of surviving a critical illness before age 65 is almost twice as great as dying.
    (Source: National Center for Health Statistics.)
Wouldn't a Check be Better Than a Get Well Card?
Living Benefits are paid directly to you.  You choose how to spend the benefit at a time when you and your family may need extra cash the most.  For example:
  • Home Health Care
  • Cost of Care Givers
  • Lost income of self or spouse
  • Daily living expenses
  • Co-pays and Deductibles
  • Non-covered "experimental" Treatments
  • Housekeeping or Child Care Expenses
  • Maintenance of Your Family's Quality of Life

Tax Treatment Accelerated Living Benefit
Unlike a Death Benefit, Living Benefits may be taxable.  You should consult with a tax adviser as to the taxability of any Living Benefit you receive.

Coverage Reduction and Termination
Termination of the Life Insurance Policy will terminate Living Benefits.  The payment of less than 100% Living Benefit will reduce the Life Insurance available under the policy by the amount of the Benefit and will also reduce the benefits available in the event of total disability or critical illness in the future.  The premium will be adjusted to reflect the reduction in the policy benefit. 



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