living benefits

If you’re diagnosed with a critical illness or condition, living benefits can help you avoid the financial burden by providing a lump sum to help cover the associated costs. Our clients have found this useful for getting the treatment they want and filling in the financial gaps left by most medical insurance. Qualifying for critical illness coverage is dependent on factors that include current health, medical history, age, and occupation. 

92% of older adults have at least one chronic disease; 77% have at least two. Is it any wonder that the average couple retiring at 65 can expect to pay $260,000 to cover their health care costs in retirement?*