"I had life insurance, but being hospitalized my policy did not help me. Now I know what I can do to get a money acceleration if my daughter or I go through the same thing"
There is life insurance that contains riders (free) with accelerated benefits (ABR). Did you know that accelerated benefits provide the ability to receive a full or partial life insurance amount if the insured is diagnosed with a qualifying medical condition? Can you imagine if you didn't have it?
You remember the words: "I had life insurance, but being hospitalized my policy did not help me. Now I know what I can do to get a money acceleration if my daughter or I go through the same thing. Enjoying these accelerated benefits in our Life policy gives us peace of mind, confidence and gives us protection against the unexpected. We know life experiences of some of our clients who today have used these benefits. Let's see a testimonial
After reading the testimonial on the link, did she notice that we don't have to be disabled for life to receive the benefit? just one case is enough to see what our product can do for you.
¿Have you considered all that covers?
Accelerated benefits within the ABR clause in life insurance
Critical Illness Conditions
Heart Attack
Invasive Cancer
Stroke
Severe Disease of Any Organ (resulting in significantly altered life expectancy)
Major Organ Transplant
ALS
Blindness
Paralysis
Arterial Aneurysms
Central Nervous System Tumors
Major Multi-System Trauma (Major injury to three or more organs or systems)
AIDS
End-Stage Renal Failure
Severe Central Nervous System Disease (Parkinson's, Huntington's, Multiple Sclerosis, Encephalitis with long term effects)
Mayor Burns (>40% BSA, 3rd degree)
Loss of Limbs
Chronic Illness
If the insured is unable to perform 2 out of 6 activities of daily living during a period of at least 90 days, or requires constant supervision to protect him from risks to his health or safety due to serious cognitive impairment.
Activities of daily living include bathing, incontinence, dressing, eating, going to the
bathroom, and moving around.
Terminal Illness
If the insured is diagnosed with a disease or condition that could cause death within 24 months or less. (12 months in FLyNY).
Real testimony
Bonnie Thomas was a mother of three and her husband, Bill, was a salesman in a small factory. Bonnie worked for a car dealer in the title transfer department for 12 years. In 2011, Bill and Bonnie had a good financial year and decided to meet with a financial advisor who advised them to purchase life insurance to support the family in the event of premature death. Bill and Bonnie decided that they would each apply for a 20-year, fixed-term, $ 250,000 term insurance policy from American National, which they could convert to a permanent policy in the future. One of the features that attracted them was the accelerated benefit riders that could pay a benefit if a qualifying chronic, critical or terminal illness arises that impacts their future life expectancy.
Six months later, Bonnie began to suffer from frequent indigestion, bloating and heartburn, but she thought it was due to her fondness for spicy foods. Several months later, Bonnie's indigestion worsened and she began to suffer from nausea and vomiting. Bonnie went to the doctor and had multiple studies done, including a stomach biopsy. These studies indicated that Bonnie had stomach cancer with liver mastitis, and that Bonnie's liver had been almost totally displaced by the tumor. The news was devastating. She cried all weekend and the children were told that Mom was very sick. Bonnie started treatment and she felt so ill that she could not work. Bill was forced to take a leave of absence from her work to care for her. Their lives would never be the same. Bonnie and Bill depleted their savings in months, medical bills continued to pile up, and Bonnie was nervous about the financial bleeding her illness was causing.
Bill spoke with his financial advisor, who suggested that they file a claim for the expedited benefit of Bonnie's term life policy. She applied for it and ten days later an offer for $234,364.24 was emailed to them. They were elated by the offer and immediately accepted. In calculating the offer, the American National physician determined
that Bonnie had a 4.2% chance of living for five years. Bonnie's claim was submitted for critical illness, but the offer was based on the terminal illness benefit. Due to the significant reduction in her life expectancy, Bonnie received the maximum payment.
If you want to see more testimonials visit our services page or enter this link
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