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Life Insurance Add-ons, also known as Life Insurance Riders, are benefits that can be added to your plan at the time you apply for coverage.
*Please note that actual benefits may vary by insurance company, state, age, and health. Please speak with a licensed representative to see if you qualify
Term Life Insurance is designed to cover you for a certain term period for example 5yr, 10yr, 15yr, 20, 25yr, or 30yr. Once the term period ends the policy expires. There are certain plans that are available to get your money back after your term period. Term is great for temporary needs and gives you the most coverage for your dollar
Whole Life Insurance is designed to cover you for the rest of your life regardless of how long you live. It also build cash value which allows you to borrow from your policy. This is great for permanent life insurance needs. It is more expensive than term because it never expires. There are options to have your policy paid up in 10 or 20 yrs
Accidental Death Insurance is an inexpensive way of ensuring that your family is protected in the event you were to pass away unexpectedly due to an accidental death. This includes car accidents, plane crashes, and any other death ruled as an accidental death by a coroner
Mortgage Protection is designed to pay off your mortgage in the event of your death. There are options to help you pay off your mortgage early and there are options to give your family 1-3 years worth of mortgage payments in the event of your death
Also known as Burial Insurance is designed to cover your burial or cremation expenses for when you pass away. This protection is also used to cover debts, medical bills, loss of income, mortgage, and other end of life expenses
The Critical Illness benefit allows the owner of the policy to access their life insurance while the proposed insured is still living if diagnosed with a heart attack, stroke, cancer, or some other qualifying health condition as deemed by the life insurance company at the time of application.
The Chronic Illness benefit allows the owner of the policy to access their life insurance while the proposed insured is still living if the insured is unable to perform at least 2 of their 6 daily activities (eating, bathing, dressing, toileting, continence, and transferring) or has a severe cognitive impairment that requires substantial supervision by another person to protect the insured from threats to health and safety.
The Terminal Illness benefit allows the owner of the policy to access their life insurance while the insured is still living if the insured is diagnosed by a licensed medical professional as having a non-correctable illness or physical condition which is reasonably expected to result in death within the next 12 months. of diagnosis.
The Return of Premium benefit allows the owner of the policy to receive 100%* of their money back after their term period. It offers coverage during the term period chosen in which if the proposed insured passes away during that term, the beneficiary will receive the death benefit however, if the proposed insured outlives the term period, the owner of the policy will then receive a check from the insurance company with all the premiums paid into the policy.
*Actual percentage may vary by insurance company
The child and grandchild rider allows the owner of the policy to insure their children and granchildren (under the age of 18) all on the same policy. This is an optional add-on to the proposed insures life insurance policy that pays out a small death benefit if one of their minor children or minor grandchildren dies.
The Accidental Death benefit pays additional benefits in the event the proposed insured were to die from an accidental death. An accidental death is a death deemed as "Accidental" by a coroner. This can include car accidents, plane crashes, falls, drowning, and any other death ruled as an accidental death by a coroner not including suicide
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