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Living Benefits |
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| Critical illness policies provide a tax-free lump-sum payment 30 days after the diagnosis of a serious illness (not necessarily terminal). It is an effective policy for the retirement years. The money is available for any use such as to pay off mortgages or debts, make alterations to a home, replace lost income or for specialized medical treatment. |
Long-term care policies provide daily benefits for personal care, in a facility or at home, when unable to care for one's self as a result of a chronic illness, disabling condition or old age. Coverage options are tailored to specific requirements. Premiums can be limited to a 20 year period or less though coverage is guaranteed for life. |
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