See a Real Policy Example
Here's what coverage looks like for a 40-year-old male business owner in good health — for less than the cost of a daily coffee. And what he could access by age 48 if illness strikes.
No receipts required. No restrictions on use. Potential payouts based on age 48.
no restrictions, no receipts.
Unlike regular life insurance, this policy can pay YOU cash while you're still alive — whether it's a serious illness or a job-site accident that takes you out of work. Built in at no extra cost.
3 Types of Events That Can Trigger Living Benefits
These built-in riders are included automatically — no additional premium required. And it's not just illness — a serious accident counts too.
Chronic Illness or Serious Accident
Unable to perform at least 2 of the 6 Activities of Daily Living for 90+ days due to illness or serious accident. Also includes severe cognitive impairment.
⚠️ A serious job-site accident can qualify just like an illness diagnosis if it causes the required loss of Activities of Daily Living.
Critical Illness
Sudden, life-altering events that can wipe out a business owner's income overnight — the exact situations most likely to affect tradespeople in their prime working years.
Terminal Illness
If a physician certifies your illness is expected to result in death within 24 months, you may access your benefit now — for your family, your business, or any other purpose.
Backed by a Financially Strong U.S. Life Insurance Company
This coverage is underwritten by a highly rated insurer with over 100 years of history, billions paid in claims, and strong financial ratings from major agencies.
Financial strength ratings as of 12/31/2024. Ratings are subject to change. Guarantees are backed by the claims-paying ability of the issuing company.
See What This Could Look Like for You
Request a personalized, no-obligation quote and see how affordable this protection may be for your situation.
Step 1 of 2 — takes about 60 seconds
By submitting, you agree to be contacted by a licensed insurance professional. This is not an application for insurance. Benefits are subject to policy terms, rider definitions, elimination periods, waiting periods, and claim approval. Accelerating benefits reduces the death benefit available to beneficiaries and may reduce policy values to zero. Receipt of accelerated benefits may affect eligibility for Medi-Cal or Medicaid. This is not long-term care insurance. For California residents only.