Term Life Insurance With Living Benefits

Let GoInsurancePAL be your guide to find the right
life insurance that will give you the best living benefits.

What is term life insurance with living benefits?

Most people know that life insurance is needed to help financially support your family after the policyholder dies. The benefits can be used for anything from paying for your basic needs to paying off any debt your family has. It can also be saved for your children’s future.

When you’re looking for an insurance company, ask questions about optional benefits and coverage that can be covered with a rider. Riders normally entail an additional cost, but can be well worth it in the long-run. Many people opt for a “living benefits” rider, which is also known as a “terminal illness rider”. If you are diagnosed with a serious illness, this rider will allow you access to your benefits while still alive. This is especially important because a serious illness, with the mounting medical care, will exhaust your savings very quickly. A living benefits rider allows your family to keep up with your medical care so they can keep a handle on their financial situation.

Insurance companies have a list of illnesses and conditions that their living benefits rider covers. Be aware that not all insurance companies cover the same illnesses, so it’s essential that you ask questions. When you’re approved to receive benefits, the money can be used where it’s needed most.

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We’ll be your guide to easily find and obtain the perfect living benefits rider just for you

The experts at GoInsurancePAL will walk you through all of your options in easy to understand terms. We’ll discuss all types of benefits and help you to choose the right rider for you.
Your GoInsurancePAL expert will also explain the advantages and disadvantages of whole life with living benefits and term life with living benefits. You must also consider what illnesses are hereditary. Illnesses that can be covered by a living benefits rider include:

Cancer
Alzheimer’s
Heart disease
Stroke

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Let GoInsurancePAL show you your options when it comes to term life insurance with living benefits

Term life insurance with living benefits is different than term life because there isn’t a specific term for coverage; it doesn’t expire after a certain number of years. Because there’s no expiration date, it tends to be more expensive than term life, but for some people, this may be the best option for them. When you talk to the experts at GoInsurancePAL, they will help you decide which is best for you and your family.

Term life Insurance With Living Benefits FAQs

Does every insurance company offer a policy with a living benefits rider?

No.

Do I need a medical exam to be approved to get a living benefits rider?

A client can qualify up to a million dollars without a medical exam if their medical information bureau record is clean.

What is the cost of Term Life Insurance with Living Benefits?

There is no extra cost. Term Life Insurance with Living Benefits is, for the most part, the same price as term life insurance without living benefits because the riders are free. Term life insurance is really death insurance since you have to die to get a check- However, with the living benefits riders, a client can use up to 90% of their death benefit while they are alive to cover critical and chronic illnesses.

How are the payments made? Lump sum or installments?

The payments are made in a lump sum up to as much as 90%, depending on the critical or chronic illness. In some cases with chronic illnesses, there are options to receive monthly payments, but this is not recommended.

Infinite Banking

With GoInsurancePAL, you can learn the comparison between Infinite Banking and a conventional savings account. Ask us how your assets can grow, what you need to get started and if your money is safe. Our experts can answer all of your questions.

Learn More About Infinite Banking

Why Choose GoInsurancePAL

We help you find the best term life insurance with living benefits that
fits your needs

There are many benefits of selecting term life insurance with living benefits with GoInsurancePAL:

Qualified support when you need it
Easy to apply
Selection of options to meet your needs
We’ll find the best annuity available
Lower price

“1-on1-approach” to helping policy holders understand each plan
Nurturing and caring living benefits experts
We make learning about living benefits simple to understand, act and benefit from
More than just insurance – we care about people

Speak with an Insurance Expert

Call: 877-GOINS99

(877-464-6799)

or

Schedule A Free Consultation

Let's Get You Protected

We'll find you the right insurance at the best price

This program works!

I contacted GoInsurancePAL as my cash and annuities were not growing at all where I previously had my money. GoInsurancePAL qualified me to start an infinite banking account, and without spending any of my cash value, I was able to take a tax- free policy loan and pay off both of my automobile loans, all of my credit card debt, and I was able to take a policy loan to pay some back taxes without spending any of my own money in my cash value or in my personal public bank accounts. This program works, and I recommend you contact GoInsurancePAL to help you like it did my family and me.

Thomas C. San Antonio, TX