Living Benefits: The Smartphones of Life Insurance

Learn more about Living Benefits and the “new kind” of life insurance at or call Alliance Group at (888) 969-3233.

Are you still protecting your family and finances with the “old kind” of life insurance that only pays out if you die? Living Benefits life insurance is the new, evolved kind of life insurance. With Living Benefits, you have the power to accelerate your death benefit while you’re still living if you suffer a heart attack, cancer diagnosis, stroke, or any other Critical, Chronic, or Terminal illness. This ability can help save your financial life, and helps protect you from the cause of 60% of the bankruptcies in the U.S. every year – medical bankruptcy following a critical illness. It comes down to one simple question: do you want the option to access your death benefit when you need it most, or not?

Transamerica Living Benefits Term Life Insurance – Transamerica Living Benefits is not just your typical term life insurance coverage. Transamerica has designed a whole new type of term life insurance that is creating a lot of interest when considering life insurance coverage.

Transamerica Living Benefits is a term life insurance policy. It offers all the same features of a general term life insurance policy. Transamerica Living Benefit term policys have fixed premiums for term lengths of 10, 15, 20, 25 & 30 years.

SO what makes Transamerica Living Benefits so interesting and unique? Transamerica Living Benefits term life insurance was created with a feature that gives you the ability to receive cash benefits should you become ill with a chronic, critical or terminal illness during your policy years. Yes that’s correct, cash from your life insurance policy while you are living!

For more information or to receive a quote for Transamerica Living Benefits Term Life Insurance, visit us at Top Quote Life Insurance

GM Retiree Life Insurance Benefits

This is a video taken at a monthly breakfast gathering of GM Research retirees in Warren, MI on May 19, 2011. Sheldon L. Miller, an attorney, makes a presentation and fields questions about upcoming litigation regarding the drastic life insurance benefit reductions that GM retirees have had in the last several years.

Autism 202: Navigating Insurance Benefits — What You Need to Know for Autism (2014)

Health law advocate Arzu Forough from Washington Autism Alliance and Advocacy provides an overview of state and federal laws that require insurance companies to cover treatment, health-related supplies and services for autism spectrum disorders and other disabilities.

Living Benefits: The POWER of Life Insurance with Living Benefits

Learn how The Alliance Group harnesses the power of Living Benefits to protect your family not only in the event of your death, but also in the event of cancer, heart attack, stroke, or any other critical, chronic, or terminal illness. These benefits come bundled with every Alliance Group life policy we issue, and at NO additional cost to you.
Visit us at

Overview of Federal Employees Insurance Benefits

Linda Maxwell’s Story — Life Insurance with Living Benefits

Linda is in her 60’s and lives in Cave Springs, Georgia. Linda was diagnosed with Multiple Sclerosis 33 years ago, and her daughter passed away from Breast Cancer in her 40s. She used her life insurance with living benefits to help pay for medical expenses for herself and her daughter.

Term Life Insurance with Living Benefits (The Hybrid Product Series) (800)-290-7226
Presented by Brokers Alliance with guest co-host Joe Racich.

On Wednesday’s Show: The pair talk about the term market over the years and the additional living benefit riders that have appeared with these new combo policies. Some of these riders are embedded into the contract for free while others are standalone purchase riders.

Trendsetter® LB is guaranteed initial level premium term life insurance with Chronic, Critical and Terminal Illness Accelerated Death Benefits (ADBs) inherent in the products, subject to state availability. Trendsetter LB provides living benefits and death benefits in one life insurance solution, for clients who want an extra level of protection for their loved ones’ financial security.

Here’s an example of the leading term life insurance carriers with living benefits.

Chronic Illness Accelerated Death Benefits
• Allows the policyholder to access up to 24% of the policy face amount per year when he or she is determined by a licensed health care practitioner to be unable to perform two of the six activities of daily living (bathing, continence, dressing, eating, toileting, and transferring) for a period of 90 consecutive days, or to be suffering from severe cognitive impairment for a period
of 90 consecutive days or more.

• The maximum amount that can be accelerated over the lifetime of the insured is the lesser of 90% of the face amount of the policy or 0,000, and the minimum amount that can be accelerated is ,000 annually.

Critical Illness Accelerated Death Benefits
• Enables the policyholder to access his or her death benefit in advance of death when he or she is determined by a licensed physician to have suffered a critical health condition, such as cancer, heart attack, stroke, a major organ transplant, end stage renal failure, Amyotrophic Lateral Sclerosis (ALS), blindness, or paralysis due to the loss of two or more limbs.
• The maximum amount that may be accelerated is the lesser of 90% of the face amount of the policy or 0,000, and the minimum amount that may be accelerated is ,500.
Terminal Illness Accelerated Death Benefits
• Provides the ability to access a portion of the policy’s death benefit as a lump sum payment in advance of death when a licensed physician has diagnosed the insured to have less than 12 months to live.
• The maximum amount that can be accelerated is the lesser of 100% of the face amount of the policy or 0,000, and the minimum amount is ,000.

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Insurance Scam: Obamacare Benefits Left Out Of Letters

“Across the country, insurance companies have sent misleading letters to consumers, trying to lock them into the companies’ own, sometimes more expensive health insurance plans rather than let them shop for insurance and tax credits on the Obamacare marketplaces — which could lead to people…spending thousands more for insurance than the law intended. In some cases, mentions of the marketplace in those letters are relegated to a mere footnote, which can be easily overlooked. The extreme lengths to which some insurance companies are going to hold on to existing customers at higher price, as the Affordable Care Act fundamentally re-orders the individual insurance market, has caught the attention of state insurance regulators…”.* The companies involved include Humana and Lifewise. The Young Turks host Cenk Uygur breaks it down.

*Read more here from Dylan Scott / TPM:

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Whole Life Insurance {5 Benefits}

Visit: 1-800-643-7544 We discuss Whole Life Insurance Benefits in this whole life insurance video.