Why Living Benefits

10/30/2024

At the age of 32, Nathan was suffering from end-stage congestive heart failure. His doctors told him his condition would require a heart transplant.

Watch as Nathan and Crystal recount the harrowing details of his journey, including the massive peace of mind provided by the Living Benefits life policy that Nathan had put in place on himself several years prior. That decision, which Nathan says should be a "no-brainer" for everyone, has provided the Williams' crucial financial relief as they navigate Nathan's illness and treatment.

Watch as Nathan Williams tells his Living Benefits testimonial story. His diagnosis of end-stage congestive heart failure required a heart transplant at the age of 32. Nathan’s Living Benefits policy contained Accelerated Benefits Riders, or ABRs. The Critical Illness Rider included on his Living ...

10/25/2022

“Debt is no longer just a bug in our system. It is one of the main products,” said Dr. Rishi Manchanda, who has worked with low-income patients in California for more than a decade and served on the board of the nonprofit RIP Medical Debt. “We have a health care system almost perfectly designed to create debt.”

The U.S. health system now produces debt on a mass scale, a new investigation shows. Patients across the country face gut-wrenching sacrifices.

10/24/2022

If your retirement accounts are feeling the pain, relief may not be coming anytime soon. Meanwhile, indexed accounts are one of the hottest topics we're seeing from our clients who are looking for ways to grow their money without being vulnerable to market losses.

Thomas Peterffy, the chairman and founder of Interactive Brokers, thinks the S&P 500 index could decline another 20% from Wednesday’s level to bottom at...

10/21/2022

"Investors are always looking for ways to outpace the current rate of inflation. That's why so many seeking to do so are now putting their money into indexed universal life (IUL) insurance policies. Over time, this model has developed into an increasingly viable alternative to both whole life insurance as well as 401(k)s."

In this article, I'm going to break down some top considerations you need to make when making comparisons between IUL insurance, whole life insurance and a 401(k).

09/14/2022

One million dollars seems like a lot of money, and for most of us, it really is. But, when it comes to life insurance, is a one-million-dollar life insurance policy enough? Is it too much?

Let’s look at what a million-dollar life insurance policy really means for your financial security.

First, let’s start with a few basics. Life insurance is a financial protection you provide to your loved ones if you die. Depending on your family’s stage of life, you may need more or less coverage.

09/07/2022

“The No. 1 reason, and the No. 2, 3, and 4 reasons, that people go into medical debt is they don’t have the money,” said Alan Cohen, a co-founder of insurer Centivo who has worked in health benefits for more than 30 years. “It’s not complicated.”
Having Living Benefits features included with your family's life insurance at no extra cost can put money into your hands when you suffer a severe illness or injury.

The U.S. health system now produces debt on a mass scale, a new investigation shows. Patients face gut-wrenching sacrifices.

09/01/2022

Every September, the industry comes together to sponsor Life Insurance Awareness Month. This campaign is designed to educate consumers about the importance of life insurance and the role it plays in protecting families’ financial security. What kind of legacy do you want to leave behind?

08/25/2022

Medical bankruptcy has become so commonplace that there's now an app that helps those in medical debt file easily, without having to hire a lawyer. :(

Medical bills are a leading reason people get stuck in a cycle of debt. Declaring bankruptcy is one lifeline, but attorney and court fees can put it out of reach. The nonprofit Upsolve created an a…

08/22/2022

"My doctor saved my life, but my medical bills are stealing from my children's lives". - Jeni Rae Peters

Jeni Rae Peters' budget has always been tight. But Peters, a single mom and mental health counselor, has worked to provide opportunities for her children, including two girls she adopted and a succession of foster children. One of her daughters had been homeless.

08/18/2022

The short answer: yes. In fact, a whopping 50% of all bankruptcies in America every year are medical bankruptcies, sadly enough. Living Benefits can help you avoid this trap!

Saying that health care for Americans costs a lot of dollars is like saying it’s a lot of miles to the nearest star. Both are measured in trillions. U.S. health care spending reached $4.1 trillion in 2020, according to the most recent data from the Centers for Medicare & Medicaid Services. At th

06/28/2022

With the markets continuing their volatile ways, IUL is getting more attention as a way to generate tax-free income in retirement.

The secret behind McDonald’s, Disneyland, and Foster Farms—and the $30 BILLION on Wells Fargo’s balance sheet.