Mortgage Protection with Living Benefits
Tools to Build Your Sales
48% of mortgage foreclosures are the result of financial hardship due to critical Illness (only 3% due to death).*
At the end of 2012, 65.4% of U.S. households owned their home.*
About 35 million, or 30% of U.S. households, do not own their own life- insurance policies and are not covered under employer sponsored plans. Up from 24 million or 22% of households without coverage in 2004. *
A new unique and innovative way to help customers protect themselves, their loved ones, and their current and future financial security, Life insurance with living benefits can provide policy owners and those who depend on them with stable, secure life insurance protection with benefits they don’t have to die to use. While protecting families against unexpected death, these policies are also designed to help people survive financially what they survive physically.
Specializing in meeting the needs of the middle America market, What if your clients suffer a major heart attack, stroke, or invasive cancer and don’t die? Would their family be able to maintain their standard of living if they were financially impacted by a serious illness?
Accelerated Benefit Riders- Living Benefits Issued with policies at no additional premium
> Critical Illness
> Chronic Illness
> Terminal Illness
*Causes of Home Foreclosures” Health Matrix, 2009
* Source: Housing Vacancy Survey, First Quarter 2013, U.S. Census Bureau
* Source: LIMRA Trends in Life Insurance Ownership Study - 2010