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“BEING PROACTIVE MEANS THAT YOU SHAPE CIRCUMSTANCES AND THEY DO NOT SHAPE YOU.”


- ROBIN S. SHARMA- Best-Selling Author

LIVING BENEFITS PROTECTION

It's About More Than You Think

Living Benefits (aka Accelerated Benefits Rider) is one of the main reasons why we started Dynamic Life Financial.  We understood the importance of being allowed to access between 30%-90% of the policy death benefit amount while still alive so that people may address any expenses (medical or non-medical) that they have or may have when they may need it the most.  And we haven't looked back since.  We've carefully chosen our carrier partners to ensure that our clients have the most comprehensive list of qualifying events to help them when they need it most.  Please see 'Qualifying Criteria' below. 

qualifying criteria:

Critical Injury

Injuries that result in:

  • Coma
  • Paralysis
  • Severe Burns
  • Traumatic Brain Injury

Critical Illness

Our carriers offer coverage for between 13 to 19 qualifying illnesses.  However, they all have the following 10 illnesses in common:

  • Heart Attack
  • Stroke
  • Cancer
  • Illness resulting in Major Organ Transplant
  • ALS (Lou Gehrig's Disease)
  • End Stage Renal Failure (Kidney Failure)
  • Aplastic Anemia
  • Cystic Fibrosis
  • Motor Neuron Disease
  • Blindness (Including From Diabetes)

Chronic Illness

Any illness in which the insured has been certified by a licensed health care practitioner as being unable to perform 2 out of 6 activities of daily living for a period of 90 consecutive days due to a loss of functional capacity OR requires substantial supervision to protect oneself from threats to health and safety due to severe cognitive impairment for this same period of time.

Activities of Daily Living include:

  • Bathing (including getting into and out of a tub or shower)
  • Continence (including the ability to perform associated personal hygiene)
  • Dressing (includes clothing as well as braces, fasteners, or artificial limbs)
  • Eating
  • Toileting (to and from, on and off)
  • Transferring (moving in or out of bed, chair, or wheelchair)

Terminal Illness

An insured has a terminal illness if they have been diagnosed and are suffering from an illness that will result in death within 24 months (typically).  


Please Note: The maximum Living Benefit amount is not to exceed $1,500,000 under all contracts and all riders made over the lifetime of the insured.

Coverage Periods

It's Just So Important

It's Just So Important

Although there is a minimum coverage period of 30-days for all criteria except Terminal Illness, which is covered immediately, exceptions have been made.  Please contact us for assistance or to simply learn more.

It's Just So Important

It's Just So Important

It's Just So Important

Living Benefit protection isn't new to the industry but still there are so many people who don't have it.  If you already have life insurance but it does not provide you with Living Benefits protection, you may be able to simply transfer your policy cash value to one of our carriers who will provide them to you.  Please contact us for assistance.

It's Your Money To Do With As You Wish

It's Your Money To Do With As You Wish

It's Your Money To Do With As You Wish

One of our favorite parts of Living Benefits protection is that our clients

 can use their benefit payment however they wish to.  Here are some examples of how clients have used their Living Benefits payment: 

  • Medical Bills (existing and expected)
  • Paid Off Mortgage
  • Paid Off Vehicle Loans
  • Paid Off Credit Card Expenses
  • Set Up College Funding for Children
  • 'Bucket List' Life Events (travel, purchases, fun!)
  • Income Investments For Spouse and Children

Living Benefits Covers So Much

It's Your Money To Do With As You Wish

It's Your Money To Do With As You Wish

Many clients are surprised by the list of qualifying criteria, however they're even more surprised when they think about how many events can result in these diagnoses.  From slips, falls, car accidents, bicycle accidents, chemical-related accidents, diseases, and so much more, Living Benefits protection was designed for people.  At Dynamic Life Financial, not only do we stand by the carriers who offer them, we will not recommend life insurance protection that doesn't offer them.

Our Carrier Partners

National Life Group

National Life Group

National Life Group

National Life Group currently provides the most robust list of living benefits criteria available to the consumer.  And since this is a constantly developing list, we can only imagine what more is coming.  You'll quickly see why National Life Group has been around for over 170 years.

Ameritas Life Corp.

National Life Group

National Life Group

Ameritas Life provides one of the most diverse lists of living benefits criteria available.  And their performance in Indexed Universal Life policy value accumulation is one of the strongest in the industry.  It's no wonder they've been in business for over 130 years.

Foresters Financial

National Life Group

Foresters Financial

Headquartered in Toronto, Canada, this fraternal order provides excellent living benefits and has the flexibility for covering diabetics and marijuana users in The United States and Canada alike.  They've been protecting people for over 140 years and if you have diabetes, then we think you'll appreciate how they handle your business.

TESTIMONIALS & mORE

Don't just take our word for it!  As a member of Alliance Group, we're proud to showcase some of their Living Benefits testimonials.  Please click on a brief video below and hear from those who've personally experienced the power of having Living Benefits protection when they needed it most.

sO MANY PEOPLE HELPED

STOP THE MEDICAL BANKRUPTCY TREND

STOP THE MEDICAL BANKRUPTCY TREND

Hear a summary of testimonials from several families who had a member diagnosed with cancer.  They never thought they'd need to access their Living Benefits protection, but were so relieved that they could.

STOP THE MEDICAL BANKRUPTCY TREND

STOP THE MEDICAL BANKRUPTCY TREND

STOP THE MEDICAL BANKRUPTCY TREND

As of the end of 2021, medical bankruptcy still accounted for 46% of all bankruptcies in America.  Living Benefits combats this devastating trend by providing access to your policy death benefit while you're still alive.  So you can do with your money what you want (without restrictions) - for yourself, for your family, for whomever.

Injury from a tragic assault

STOP THE MEDICAL BANKRUPTCY TREND

Injury from a tragic assault

It may sound like it can never happen to you, but terrible things happen to good people every day.   We don't like to scare clients, but reality can be very scary.  Hear Heilyn's story of a brutal attack and how Living Benefits protection helped her and her family to overcome this terrible event.

WHEN YOUR ACTIVITIES OF DAILY LIVING ARE AFFECTED...

WHEN YOUR ACTIVITIES OF DAILY LIVING ARE AFFECTED...

WHEN YOUR ACTIVITIES OF DAILY LIVING ARE AFFECTED...

In this testimonial, Eric explains how a rare blood disorder almost crippled him, and the impact to his family could've been devastating.  Instead, he activated his Living Benefits protection, and instead of simply being afraid, his family is optimistic about his road to recovery.

SAGE ADVICE FROM A BEST FRIEND

WHEN YOUR ACTIVITIES OF DAILY LIVING ARE AFFECTED...

WHEN YOUR ACTIVITIES OF DAILY LIVING ARE AFFECTED...

Melanoma is so common, but hear how the Shockley's handled the news of being given only five years to live.  Fortunately, one of their best friends recommended having Living Benefits protection in their life insurance policy... So you just know that guy gets invited to every party!

YOU'RE NEVER TOO YOUNG FOR LIFE INSURANCE

WHEN YOUR ACTIVITIES OF DAILY LIVING ARE AFFECTED...

YOU'RE NEVER TOO YOUNG FOR LIFE INSURANCE

After recently becoming a new Mom, Jessica was shocked to learn of a condition that could've changed her life forever.  But with the support of her family and the help of a life insurance policy with Living Benefits protection, she and her family were able to move through recovery with a reinvigorated zest for life.

BOOK A FREE LIVING BENEFITS CONSULTATION

CLICK HERE TO SCHEDULE NOW

Service List

RETIREMENT PLANNING Click to learn more about Retirement Planning.

LIVING BENEFITS   Click to learn more about Living Benefits protection for you and for your family.

GROWTH INVESTMENTS  Click to learn more about guaranteed and indexed Growth Investments.

BUSINESS SERVICES  Click to learn more about our Business Solutions for Business Owners.

EMPLOYEE FINANCIAL SERVICES  Click to learn more about our NO COST Employee Financial Services program.

COLLEGE FUNDING  Click to learn more about TAX-FREE, FLEXIBLE College Funding options.


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