Quality of Life...Insurance
Life Insurance You Don't
Have to Die to Use

Changing The Way Americans Think About Life Insurance

Quality of Life...Insurance® is designed to help provide security for your loved ones in the event of your premature death...but it is also life insurance you don't have to die to use. In addition to traditional term life insurance, this product has "living benefits" that offer you the flexibility to receive accelerated death benefits during your lifetime if you suffer a qualifying illness.

Term Life Insurance

Coverage for the policyholder for a specific amount of time, which is known as the "term." Terms typically range from 10 to 30 years, depending on the preference of the policyholder. This traditonal term life insurance includes an income-tax free death benefit, fixed premiums for the term, and can include optional riders with a separate fee.

Living Benefits (Accelerated Death Benefits)

The one or more accelerated benefit riders attached to your policy permit the owner to receive a portion of the insured person’s life insurance benefit under the policy due to a qualifying critical, chronic, or terminal illness during the insured person’s lifetime, subject to policy terms and conditions. Important Consumer Disclosures Regarding Accelerated Benefit Riders.

• Chronic Illness - A qualifying Chronic Illness is an illness or physical condition that was initially certified by a licensed health care practitioner within the past 12 months and permanently affects the Insured Person so that he or she is unable to do normal Activities of Daily Living (ADLs) without substantial assistance.
• Critical Illness - Critical Illnesses or conditions covered under the rider include (but are not limited to): major heart attack (heart attack in certain states), stroke, invasive cancer, paralysis and more.
• Terminal Illness - Terminal Illnesses are illnesses or physical conditions that are certified by a physician to be reasonably expected to result in the insured's death within 24 months from the date of certification.