Living Benefits

[et_pb_section bb_built=”1″ admin_label=”Landing Hero” _builder_version=”3.22.5″ background_color_gradient_start=”#474ab6″ background_color_gradient_end=”#9271f6″ background_image=”https://lifeshieldfinancial.com/wp-content/uploads/2019/02/LifeShield-Insurance_Living-Benefits-Header-Image-04.jpg” custom_padding=”100px|0px|100px|0px” animation_direction=”top” animation_intensity_slide=”2%” locked=”off” next_background_color=”#ffffff” background_position=”top_center” custom_padding_phone=”50px|0px|30px|0px” custom_padding_last_edited=”on|phone” inner_width_tablet=”50px” inner_max_width_tablet=”50px” z_index_tablet=”500″][et_pb_row custom_width_px=”1280px” custom_margin=”|||” _builder_version=”3.17.6″ animation_style=”slide” animation_direction=”bottom” custom_margin_last_edited=”on|phone” custom_padding=”30px|||” width=”80%” max_width=”1080px”][et_pb_column type=”2_3″][et_pb_cta _builder_version=”3.21″ title=”POWERFUL LIVING BENEFITS” use_background_color=”off” text_orientation=”left” header_level=”h1″ header_font=”Lato|900||on|||||” header_text_align=”left” header_text_color=”#ffffff” header_font_size=”70″ body_font=”Lato||||||||” body_text_align=”left” body_text_color=”#ffffff” header_letter_spacing=”1px” body_font_size=”18″ body_letter_spacing=”1px” body_line_height=”1.8em” header_font_size_tablet=”55″ header_font_size_phone=”35″ header_font_size_last_edited=”on|tablet” body_font_size_phone=”14″ body_font_size_last_edited=”on|phone”]

Life is unpredictable. Anything could happen. When illness strikes, you want to be prepared for both yourself and your family. At LifeShield, we help you tap into your policy with Living Benefits that protect you from the unpredictability of life and take advantage of benefits from your life insurance policy.

[/et_pb_cta][/et_pb_column][et_pb_column type=”1_3″][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section bb_built=”1″ admin_label=”Learn by Doing” _builder_version=”3.17.6″ custom_padding=”50px|0px|0px|0px” prev_background_color=”#000000″ next_background_color=”#000000″ custom_padding_phone=”|0px|0px|0px” custom_padding_last_edited=”on|phone” inner_width=”auto” inner_max_width=”none”][et_pb_row custom_padding=”20px|0px|0px|0px” _builder_version=”3.17.6″ custom_margin=”||0px|” custom_padding_last_edited=”on|phone” width=”80%” max_width=”1080px”][et_pb_column type=”1_2″][et_pb_image src=”/wp-content/uploads/2019/02/lifeshield-icon-solid.png” _builder_version=”3.22.5″ max_width=”50px” locked=”off” always_center_on_mobile=”off” z_index_tablet=”500″ /][et_pb_text _builder_version=”3.17.6″ header_2_font=”|700|||||||” header_2_text_color=”#385e9d” header_2_font_size=”36px” header_2_line_height=”1.3em” custom_margin=”||20px|” animation_direction=”bottom” animation_intensity_slide=”10%” locked=”off” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” text_text_color=”#303030″ header_text_color=”#0da0b0″ text_font=”Lato|900|||||||” text_font_size=”35px” text_line_height=”1em”]

LifeShield Protects You & Your Family With Powerful Living Benefits Services

[/et_pb_text][et_pb_divider divider_weight=”4px” disabled_on=”on|on|off” _builder_version=”3.17.6″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”40px” module_alignment=”left” custom_margin=”||10px|” animation_direction=”left” saved_tabs=”all” locked=”off” color=”#385e9d” /][et_pb_text _builder_version=”3.17.6″ text_text_color=”#606060″ text_font_size=”16px” text_line_height=”1.9em” header_4_font=”|700|||||||” header_4_font_size=”16px” header_4_line_height=”1.9em” animation_intensity_zoom=”6%” locked=”off” text_font=”Lato||||||||”]

Life Insurance doesn’t have to be overwhelming.

At LifeShield, we help you protect yourself and your family with a variety of services including Living Benefits. Our team helps you secure the benefits that work best for your family and budget. For example, Living Benefits are an important component that you might be overlooking. But what exactly are they, and why should you think about including them on your life insurance policy?

[/et_pb_text][et_pb_button _builder_version=”3.17.6″ button_text=”BOOK AN APPOINTMENT” button_url=”/contact/” button_alignment=”left” custom_button=”on” button_text_size=”16″ button_text_color=”#ffffff” button_border_color=”#385e9d” button_border_radius=”0″ button_font=”Lato|700||on|||||” button_bg_color=”#385e9d” button_border_width=”10″ /][/et_pb_column][et_pb_column type=”1_2″][et_pb_image src=”/wp-content/uploads/2019/02/LifeShield-Insurance_Living-Benefits-Image01.jpg” _builder_version=”3.22.5″ animation_direction=”right” animation_delay=”200ms” animation_intensity_zoom=”20%” animation_style=”slide” always_center_on_mobile=”off” z_index_tablet=”500″ /][/et_pb_column][/et_pb_row][et_pb_row custom_width_px=”1280px” _builder_version=”3.17.6″ custom_padding=”||20px|” custom_margin=”50px|||” width=”80%” max_width=”1080px”][et_pb_column type=”4_4″][et_pb_text _builder_version=”3.17.6″ header_2_font=”|700|||||||” header_2_text_color=”#385e9d” header_2_font_size=”36px” header_2_line_height=”1.3em” custom_margin=”||20px|” animation_direction=”bottom” animation_intensity_slide=”10%” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” text_text_color=”#303030″ header_text_color=”#0da0b0″ text_font=”Lato|900|||||||” text_font_size=”35px” text_line_height=”1em”]

What Exactly Are Living Benefits & Why Do You Need Them?

[/et_pb_text][et_pb_text _builder_version=”3.17.6″ text_text_color=”#606060″ text_font_size=”16px” text_line_height=”1.9em” animation_intensity_zoom=”6%” text_font=”Lato||||||||”]

Life is unpredictable. Anything could happen. When illness strikes, you want to be prepared for both yourself and your family. At LifeShield, we help you tap into your policy with Living Benefits that protect you from the unpredictability of life and take advantage of benefits from your life insurance policy while you’re alive.

The greatest benefit of Living Benefits is that you would not have to pass away in order for you or your family to start reaping benefits of your policy. With most living benefits packages offered by insurance carriers, typically found as a package deal, you can receive cash benefits of your policy if your situation fits into any of these three distinct categories: critical illness, chronic illness, or terminal illness. This group of categories is also referred to as Accelerated Benefits.

[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section bb_built=”1″ specialty=”off” prev_background_color=”#000000″ next_background_color=”#000000″ _builder_version=”3.17.6″ custom_margin=”0px||0px|” custom_padding=”0px||0px|” inner_width=”auto” inner_max_width=”none”][et_pb_row _builder_version=”3.17.6″ width=”80%” max_width=”1080px”][et_pb_column type=”4_4″][et_pb_image _builder_version=”3.22.5″ src=”/wp-content/uploads/2019/03/LS-pulse-faster.gif” align=”center” max_width=”75%” module_alignment=”center” z_index_tablet=”500″ /][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section bb_built=”1″ admin_label=”Features” _builder_version=”3.22.5″ use_background_color_gradient=”on” background_color_gradient_start=”#385e9d” background_color_gradient_end=”#0da0b0″ background_image=”https://lifeinsurancesinc.com/wp-content/uploads/2019/02/coding-background-texture.jpg” background_blend=”overlay” custom_padding=”100px|0px|100px|0px” prev_background_color=”#ffffff” next_background_color=”#f7f8fc” custom_padding_phone=”50px|0px|50px|0px” custom_padding_last_edited=”on|phone” inner_width=”auto” inner_max_width=”none”][et_pb_row admin_label=”Become an Expert” padding_top_2=”60px” _builder_version=”3.17.6″ animation_direction=”bottom” animation_intensity_zoom=”6%” animation_style=”slide” animation_delay=”300ms” width=”80%” max_width=”1080px”][et_pb_column type=”4_4″][et_pb_text _builder_version=”3.21″ header_2_font=”|700|||||||” header_2_font_size=”36px” header_2_line_height=”1.3em” background_layout=”dark” custom_margin=”||20px|” animation_direction=”bottom” animation_intensity_slide=”10%” locked=”off” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” text_font=”Lato|900|||||||” text_text_color=”#ffffff” text_font_size=”25px” header_font=”Lato|700|||||||” header_text_color=”#ffffff” header_font_size=”25px”]

How Living Benefits Coverage Works

[/et_pb_text][et_pb_text _builder_version=”3.17.6″ text_text_color=”#ffffff” text_font_size=”16px” text_line_height=”1.9em” animation_intensity_zoom=”6%” locked=”off” text_font=”Lato||||||||”]

With the Living Benefits, depending on your policy, you could have a payout ranging from $10,000 to $1 million, during the event of a critical, chronic, or terminal illness. If that health condition is listed on your rider, you can move forward with your claim. Should you elect to take a payout, you will likely receive a lump sum that will help your family with medical bills, mortgages, rent, and any other critical expenses they could be burdened with a loss of your income.

[/et_pb_text][et_pb_button _builder_version=”3.17.6″ button_text=”GET A QUOTE” button_url=”/trustquote/” button_alignment=”left” background_layout=”dark” custom_button=”on” button_text_size=”16″ button_text_color=”#0da0b0″ button_border_color=”#ffffff” button_border_radius=”0″ button_font=”Lato|700||on|||||” custom_margin=”40px|||” button_bg_color=”#ffffff” button_border_width=”10″ /][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section bb_built=”1″ admin_label=”Learn by Doing” _builder_version=”3.21″ custom_padding=”50px|0px|20px|0px” prev_background_color=”#ffffff” next_background_color=”#ffffff” background_color=”#f7f8fc” custom_padding_phone=”20px|0px|20px|0px” custom_padding_last_edited=”on|phone” inner_width=”auto” inner_max_width=”none”][et_pb_row custom_padding=”90px|0px|90px|0px” _builder_version=”3.17.6″ animation_style=”slide” animation_direction=”bottom” width=”80%” max_width=”1080px”][et_pb_column type=”1_2″][et_pb_text _builder_version=”3.17.6″ header_2_font=”|700|||||||” header_2_text_color=”#385e9d” header_2_font_size=”36px” header_2_line_height=”1.3em” custom_margin=”||20px|” animation_direction=”top” animation_intensity_slide=”10%” locked=”off” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” text_text_color=”#303030″ header_text_color=”#0da0b0″ text_font=”Lato|900|||||||” text_font_size=”35px” text_line_height=”1em” animation_delay=”200ms”]

What Qualifies for Receiving Living Benefits?

[/et_pb_text][et_pb_divider divider_weight=”4px” disabled_on=”on|on|off” _builder_version=”3.17.6″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”40px” module_alignment=”left” custom_margin=”||10px|” animation_direction=”left” saved_tabs=”all” locked=”off” color=”#385e9d” /][et_pb_text _builder_version=”3.17.6″ text_text_color=”#606060″ text_font_size=”16px” text_line_height=”1.9em” header_4_font=”|700|||||||” header_4_font_size=”16px” header_4_line_height=”1.9em” animation_intensity_zoom=”6%” locked=”off” animation_direction=”bottom” animation_delay=”350ms” text_font=”Lato||||||||”]

To qualify to receive Living Benefits, you must have a chronic, terminal, or critical illness. That illness must be certified by a licensed health professional.

  • For critical illness, it must be severe and sudden and it has to be covered under one of the illnesses included in your rider. A few critical illnesses that might be covered include major heart attack, invasive cancer, paralysis, coma, renal failure, transplant of a major organ, and stroke.
  • For chronic illness, it must prevent you from managing at least two “Activities of Daily Living,” without assistance. Activities include eating, dressing, continence, toileting, bathing, and transferring in and out of bed.
  • For a terminal illness, any disease or physical condition that was certified by a physician to result in death within 12 or 24 months from diagnosis would qualify.

[/et_pb_text][/et_pb_column][et_pb_column type=”1_2″][et_pb_image src=”/wp-content/uploads/2019/04/LifeShield-Insurance_Living-Benefits-Image09.jpg” _builder_version=”3.22.5″ animation_direction=”left” animation_delay=”100ms” animation_intensity_zoom=”20%” custom_margin=”0px|||” custom_padding=”0px|||” z_index_tablet=”500″ /][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section bb_built=”1″ admin_label=”Landing Hero” _builder_version=”3.22.5″ background_color_gradient_start=”#474ab6″ background_color_gradient_end=”#9271f6″ background_image=”https://lifeshieldfinancial.com/wp-content/uploads/2019/02/LifeShield-Insurance_Living-Benefits-Image07.jpg” custom_padding=”100px|0px|100px|0px” animation_direction=”top” animation_intensity_slide=”2%” next_background_color=”#ffffff” background_position=”top_center” prev_background_color=”#f7f8fc” custom_padding_phone=”50px|0px|50px|0px” custom_padding_last_edited=”on|phone” inner_width_tablet=”50px” inner_max_width_tablet=”50px” z_index_tablet=”500″][et_pb_row _builder_version=”3.17.6″ animation_style=”slide” animation_direction=”bottom” animation_delay=”300ms” width=”80%” max_width=”1080px”][et_pb_column type=”2_3″][et_pb_text _builder_version=”3.17.6″ header_2_font=”|700|||||||” header_2_text_color=”#385e9d” header_2_font_size=”36px” header_2_line_height=”1.3em” custom_margin=”||20px|” animation_direction=”bottom” animation_intensity_slide=”10%” locked=”off” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” text_text_color=”#ffffff” header_text_color=”#0da0b0″ text_font=”Lato|900|||||||” text_font_size=”35px” text_line_height=”1em”]

Living Benefits & More—Critical Illness Coverage When You Need It

[/et_pb_text][et_pb_text _builder_version=”3.17.6″ text_text_color=”#ededed” text_font_size=”16px” text_line_height=”1.9em” header_4_font=”|700|||||||” header_4_font_size=”16px” header_4_line_height=”1.9em” animation_intensity_zoom=”6%” locked=”off”]

It’s difficult to imagine ourselves in a chronic, critical, or terminal life situation, but if the worst were to happen, wouldn’t you want to be covered?

Unfortunately, the ‘worst’ happens to over 720,000 Americans a year who suffer their first heart attack, 1.6 million who are diagnosed with cancer, and 795,000 who suffer a stroke. In the midst of the unforeseen, the last thing you want is for your spouse and children to scramble to cover mortgages, rent, and medical bills. You don’t want to wonder where care will come from if you can’t cover yourself because of a chronic, critical, or terminal illness. Financial stress can also be a concern if you can’t afford to get back to work quickly. After all, your mortgage and car payment won’t wait for you to recover. In fact, 48% of home foreclosures are caused by critical illness. Don’t let that happen to you.

Living Benefits give you peace of mind.

[/et_pb_text][/et_pb_column][et_pb_column type=”1_3″][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section bb_built=”1″ admin_label=”FAQ” _builder_version=”3.21″ custom_padding=”100px|0px|100px|0px” prev_background_color=”#000000″ custom_padding_phone=”50px|0px|50px|0px” custom_padding_last_edited=”on|phone” inner_width=”auto” inner_max_width=”none”][et_pb_row _builder_version=”3.17.6″ width=”80%” max_width=”1080px”][et_pb_column type=”1_3″][et_pb_text _builder_version=”3.17.6″ header_2_font=”|700|||||||” header_2_text_color=”#385e9d” header_2_font_size=”36px” header_2_line_height=”1.3em” custom_margin=”||20px|” animation_direction=”bottom” animation_intensity_slide=”10%” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” text_text_color=”#303030″ header_text_color=”#0da0b0″ text_font=”Lato|900|||||||” text_font_size=”35px” text_line_height=”1em”]

FAQ

[/et_pb_text][et_pb_divider divider_weight=”4px” disabled_on=”on|on|off” _builder_version=”3.17.6″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”40px” module_alignment=”left” custom_margin=”||10px|” animation_direction=”left” saved_tabs=”all” color=”#385e9d” /][et_pb_text _builder_version=”3.17.6″ text_text_color=”#303030″ text_font_size=”16px” text_line_height=”1.9em” header_4_font=”|700|||||||” header_4_font_size=”16px” header_4_line_height=”1.9em” animation_intensity_zoom=”6%” text_font=”Lato||||||||”]

You’re Not Alone. LifeShield Is Here For You & Your Family

LifeShield provides you with a thorough approach to Living Benefits. We focus on understanding your needs and unique financial situation. From there, we find coverage that works for you and your family.

Don’t fall victim to unexpected situations. Let LifeShield safeguard you from the financial burdens of chronic and critical illness with powerful policies that put your concerns first.

For more information about your coverage options or to receive a trusted, no obligation quote, contact us today or try our favored TrustQuote at no cost.

[/et_pb_text][et_pb_button _builder_version=”3.17.6″ button_text=”GET A QUOTE” button_url=”/trustquote/” button_alignment=”left” custom_button=”on” button_text_size=”15″ button_text_color=”#ffffff” button_border_color=”#385e9d” button_border_radius=”0″ button_font=”Lato|700||on|||||” button_bg_color=”#385e9d” button_border_width=”10″ /][/et_pb_column][et_pb_column type=”1_3″][et_pb_blurb title=”What do I need to know about my living benefits policy payout? ” use_icon=”on” font_icon=”%%220%%” icon_placement=”left” _builder_version=”3.22.5″ header_font=”Lato|700|||||||” header_text_color=”#303030″ header_line_height=”1.5em” body_text_color=”#606060″ body_line_height=”1.9em” custom_margin=”||0px|” custom_padding=”20px||20px|” animation_direction=”bottom” animation_intensity_zoom=”10%” locked=”off” animation=”off” body_font=”Lato||||||||” animation_style=”slide” icon_color=”#385e9d”]

When you request a payout, also known as an acceleration of death benefit, you receive a lump sum payout, minus any administrative fees associated with processing the claim. If you make a claim, you likely won’t be able to make a second claim. In most cases, after those large benefits of acceleration are paid out, there is little insurance coverage left over in the life policy in case of death.

[/et_pb_blurb][et_pb_blurb title=”I don’t have an unlimited budget, should I still pay for Living Benefits Coverage? ” use_icon=”on” font_icon=”%%220%%” icon_placement=”left” _builder_version=”3.17.6″ header_font=”Lato|700|||||||” header_text_color=”#303030″ header_line_height=”1.5em” body_text_color=”#606060″ body_line_height=”1.9em” custom_margin=”||0px|” custom_padding=”20px||20px|” animation_direction=”bottom” animation_intensity_zoom=”10%” locked=”off” animation=”off” body_font=”Lato||||||||” animation_style=”slide” animation_delay=”400ms” icon_color=”#385e9d”]

The sooner you purchase Critical Illness Coverage, the cheaper it is. If you are young and healthy, you can lock in a rate that is far more affordable than if you wait until later. Keep in mind, the costs of financial loss of a life-threatening illness can cripple you when compared to Life Insurance premiums. Also note that you can include Living Benefits at no additional costs with select programs.

[/et_pb_blurb][/et_pb_column][et_pb_column type=”1_3″][et_pb_blurb title=”If I’ve been diagnosed with cancer, can I still get Living Benefits with my life insurance?” use_icon=”on” font_icon=”%%220%%” icon_placement=”left” _builder_version=”3.17.6″ header_font=”Lato|700|||||||” header_text_color=”#303030″ header_line_height=”1.5em” body_text_color=”#606060″ body_line_height=”1.9em” custom_margin=”||0px|” custom_padding=”20px||20px|” animation_direction=”bottom” animation_intensity_zoom=”10%” locked=”off” animation=”off” body_font=”Lato||||||||” animation_style=”slide” animation_delay=”200ms” icon_color=”#385e9d”]

If your cancer has metastasized, the answer is likely, no. Your insurer will want to know when you were diagnosed, how long you underwent treatment and when your last treatment was. Good news is products that Living Benefit Coverage is attached to, in most cases, only requires you to be cancer free for a minimum of 7 years before they will cover you.

[/et_pb_blurb][et_pb_blurb title=”When do you recommend I buy Critical Illness Coverage? ” use_icon=”on” font_icon=”%%220%%” icon_placement=”left” _builder_version=”3.17.6″ header_font=”Lato|700|||||||” header_text_color=”#303030″ header_line_height=”1.5em” body_text_color=”#606060″ body_line_height=”1.9em” custom_margin=”||0px|” custom_padding=”20px||20px|” animation_direction=”bottom” animation_intensity_zoom=”10%” locked=”off” animation=”off” body_font=”Lato||||||||” animation_style=”slide” animation_delay=”600ms” icon_color=”#385e9d”]

Just like all other health and life insurance policies, the younger you are when you buy the policy the lower your premiums will be. With no guarantees for the future, coverage can give you peace of mind throughout your life. And since it is available at no additional costs with the right programs, it’s an easy choice to make.

[/et_pb_blurb][/et_pb_column][/et_pb_row][/et_pb_section]

search previous next tag category expand menu location phone mail time cart zoom edit close