1 “Cancer Facts & the War on Cancer”. LIMRA. 2007.
2 American Heart Association “Heart Disease and Stroke Statistics.”, http://www.amhrt.org 2010.
3 American Heart Association. “Hearth Disease and Stroke Statistics.” LIMRA. 2007.
4 American Heart Association. “Heart Disease and Stoke Statistics.” 2007.
5 Center for Disease Control, 2009.
6 Cost of Care Maps Genworth 2010 Cost of Care Survey- 2010
7 Get Sick, Get Out: The Medical Causes of Home Foreclosures” Health Matrix, 2009.
8 Critical Illness Insurance 101 by mark Goldstein, http://ezinearticles.com/?Critical-Illness-Insurance-101&id=4450375
9 The American Journal of Medicine, 2009
10 USA Today, 3/18/2010 and 10/31/2008
11 “America’s ‘Love-Hate’ Relationship with Life Insurance” LIMRA International. 2006.
12 LIMRA – Trends in Life Insurance Ownership, 2005.
13 Retirement Doomsday. http://www.forbes.com/2005/05/04/cx_da_0504topnews.html.2005.
14 Average Retirement Savings. http://www.zero2rich.com/average-retirement-savings.html
You may be familiar with some of these facts already. They show why it is important to have a flexible and comprehensive policy to cover different needs.
We may become Terminally, Chronically or Critically Ill
Chronic Illness affects many people and can create additional expenses for a family. Some of these expenses may include:
Did you know
We may die too soon
We may need additional income for retirement or other expenses
Pays a benefit if you are diagnosed with a terminal illness resulting in life expectancy of less than 12 months (24 months in some states). This can be used for experimental medicine, prepare for final expenses or any other purpose you feel necessary.
Pays a monthly benefit should you become diagnosed as chronically ill and unable to perform two daily activities such as bathing, dressing, eating, or due to cognitive impairment. This benefit is paid annually (up to 24% of your death benefit). Policy must be in-force for 2 years.
Pays a lump sum benefit should you suffer from a triggering illness such as cancer, heart attack, stroke, Lou Gehrig’s disease (ALS), blindness due to diabetes, kidney failure or major organ transplant, and more!
Living Benefits are the cornerstone of the edge that Arizona Insurance Exchange provides for its clients.
Most people purchase life insurance to provide a legacy of financial security at the time of their death. But doesn’t it make sense for the benefits to extend and be available for the difficult financial times they have to face if a chronic, critical or terminal illness precedes death? The industry calls the benefit an “Accelerated Death Benefit Rider.” We refer to it as real Living Benefits.
Most of us are in this profession because of a sincere desire to help others in a manner that is both unique and timely. Living Benefits are one of the reasons why our agents are so passionate about what we do every day.
Mon-Fri 8am-11pm EST
Sat 8am-10:30pm EST
Sun 10am-10pm EST
***For more information regarding these products & the information in the above video, please contact an Arizona Insurance Exchange representative at 877-468-6584 or click here***