Living Benefits - Legacy Group Insurance Financial Services

Do More With Your Life Insurance Policy.

Better in Every Way
There's a long list of triggering events that could allow you to access crucial money from your life insurance policy - while you're still alive.

Money When You Need it Most ...
not just in case you die. If you get seriously sick or injured, Living Benefits money can be used to replace your income while you recover, pay for the best treatment available, and get you back on your feet.

More For The Same Price
Living Benefits give you more options, more flexibility, and more protection - all for the same price as an old-fashioned life insurance policy that only pays out if you die. It's a no-brainer.

Get Covered!

Your Safety Net for the Unexpected

Coverage in case of:

Chronic Illness

If you become unable to perform two of six “activities of daily living” (ADLs) or become cognitively impaired, you will be eligible to receive payment of the death benefit on a discounted basis (after the rider has been in force for 30 days). While there is no annual limit, there is a lifetime limit of benefits you can receive from all ABRs. There is no additional charge for this rider.

If a doctor certifies you are unable to perform two of the six ADLs (listed below) without assistance for a period of 90 days, you will become eligible for the benefit.

Activities of Daily Living include:

• Bathing • Toileting • Continence
• Transferring • Dressing • Eating
• Toileting

You will also be eligible to receive payment of the death benefit, on a discounted basis, if you have been diagnosed with an illness that requires substantial supervision for a period of at least 90 days to protect yourself from threats to health and safety due to severe cognitive impairment.

Critical Injury

If you are diagnosed with a qualifying condition as a result of an injury, you will be eligible to receive payment of the death benefit on a discounted basis (after the rider has been in force for 30 days). The benefit paid is based on the impact the condition has had on your life expectancy. While there is no annual limit, there is a lifetime limit of benefits you can receive from all ABRs. There is no additional charge for this rider

Covered critical injuries:

• Diagnosis of ALS (Lou Gehrig’s disease)
• End-Stage Renal Failure
• Aorta Graft Surgery
• Heart Valve Replacement
• Aplastic Anemia
• Major Organ Transplant
• Blindness
• Motor Neuron Disease
• Cancer (In CA, Invasive Cancer only)
• Stroke
• Cystic Fibrosis
• Heart Attack
• Sudden Cardiac Arrest

Terminal Illness

Our Terminal Illness rider allows for the payment of the death benefit, on a discounted basis, if the insured has an illness or chronic condition that can reasonably be expected to result in death in 24 months or less. There is no waiting period to be eligible for a payment, which will be made to you as a lump sum. While there is no annual limit, there is a lifetime limit of benefits you can receive from all ABRs. There is no additional charge for this rider.

Alzheimer’s Disease

This rider allows for payment of a portion of an insured’s death benefit, on a discounted basis, if the insured has a qualifying diagnosis of Alzheimer’s disease or Lewy Body Dementia. The rider will not be available if the client has a first-degree relative (mother, father, or siblings) with a history of Alzheimer’s disease. There is no additional charge for this rider. While there is no annual limit, there is a lifetime limit of benefits you can receive from all ABRs

Critical Illness

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If you are diagnosed with a qualifying condition, you will be eligible to receive payment of the death benefit on a discounted basis (after the rider has been in force for 30 days). The benefit paid is based on the impact on your life expectancy. While there is no annual limit, there is a lifetime limit of benefits you can receive from all ABRs. There is no additional charge for this rider.

Qualifying illnesses include:

• Diagnosis of ALS (Lou Gehrig’s disease)
• End-Stage Renal Failure • Aorta Graft Surgery
• Heart Valve Replacement • Aplastic Anemia
• Major Organ Transplant • Blindness
• Motor Neuron Disease
• Cancer (In CA, Invasive Cancer only)
• Stroke • Cystic Fibrosis
• Heart Attack • Sudden Cardiac Arrest

Blindness is not a qualifier in CT, IL, KS, MD, MA, MN, NJ, NY, OH, PA, UT, VA, WA. Any claim for benefits for a given