Asking or answering "what if" questions can sometimes be fun. For example, what would you do if you won several millions of dollars in the lottery? Often, coming up with an answer is a thought provoking exercise. When the question addresses your family's emotional and financial peace of mind, seeking a strategy for surviving the "what if" crisis can be implemented by you before the "what if" ever happens.

We believe that if life insurance is going to help you and your family survive and thrive while you are living, it must contain "LIVING BENEFITS". Does your coverage include that feature?

Living Benefits allows you to access a significant portion of the policy face amount (death benefit) while you are living, not after you're dead. It assists you in paying the bills that don't stop because you are seriously ill. It keeps you above water should your family income decrease dramatically or stop altogether. 

What if a life insurance policy was developed that INCLUDED access to the death benefit if money is needed? What if it helps you and your family survive the financial and emotional impact of dealing with chronic, critical, or terminal illness,

1. WHILE YOU ARE LIVING
2. With NO ADITIONAL PREMIUM CHARGE
3. With NO RESTRICTIONS ON HOW TO USE THE MONEY

If it is going to be called "life insurance," our vision is to help you and your family experience ultimate financial peace of mind while you are living. Our mission is to help you to never have to say to your family "No one ever told me my life insurance could have real world "living benefits" included at no extra premium charge."

Living Benefits is designed to eliminate the need to purchase three different policies - life insurance, long term-care insurance and another for critical illness coverage. It protects you and your family under one sturdy umbrella. It seems reasonable to cover all three needs in one affordable contract and we offer this with our Living Benefits plan. 

Knowing that it is a financial burden for many to purchase three different policies to provide the amount of life insurance needed, we offer you our solution.   

At the Alliance Group, Thinking Differently is a Way of Life!

To learn more about Living Benefits or have information sent to a friend, please click here.

Agent: "Joe, do you own any LTC coverage?"

JOE: "My agent put me in a special policy for LTC coverage that sets aside a large pot of money so that if I can't perform 2 of 6 activities of daily living (ADL) as certified by a licensed health care practitioner (the qualification for a LTC claim) I can draw down money each month, if I wish, regardless of where or who is providing the necessary care. I bought it when I was age 50. The premium is about $300 per month and it's guaranteed to stay the same for 30 years."

Agent: "Let me quote you my LTC policy, assuming the company I use is still writing coverage. It may be cheaper or even better than yours?"

JOE: "OK, but I don't think you can give me these three benefits that are included:

1. "If I never made a LTC claim and die, my beneficiary would receive approximately $350,000 as a tax-free death benefit, all for the same $300 premium. I think of it as free life insurance. What's your policies death benefit if I die never having made a LTC claim?"
2. "If I became critically ill, like from a stroke, heart attack, or diagnosis of cancer, I would be able to access as much as 80% to 90% of the $350,000 death benefit with no restrictions on how I chose to use it. That could be up to $315,000 if I have a critical illness claim. I wouldn't have to worry about loosing our home or bankruptcy. And there is no additional premium. How much would I be able to get in a lump sum from yours?"
3. "Without having to buy another new policy, I could upgrade and convert the one I have into a tax-free retirement plan paying me tax free income for life while maintaining the other two features."

"If you can make those three benefits happen with your LTC policy let's talk."

Agent: "It's been good visiting with you Joe, but I've got to run. Could you give me the name of your agent? I probably need to get to know him/her better."

The agent walks away wondering if it's possible to have the availability of a long term care pot of money that includes life insurance and critical illness coverage in one policy for around the same premium as just the LTC policy? 

As a great philosopher once said: In the eyes of the beholder, "IT IS WHAT IT IS."           

(The above is an imaginary conversation created by the author)