Living benefits: Accelerated death benefit riders


When choosing a life insurance policy, the death benefit paid to a beneficiary is the primary focus. However, did you know that some life insurance plans provide additional living benefits? Policies not only provide financial security after death, but in some cases they may provide benefits in the event of a terminal or permanently incapacitating illness.

An accelerated death benefit rider is an enhancement to a life insurance policy that allows a policy owner to access some portion of the death benefit while the insured is still living.

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Life insurance: A gift fit for a grandchild


When you think about all the things you want to purchase for your grandchild, life insurance would likely be near the bottom of the list. While it may not be the most exotic purchase, by the end of this blog I hope life insurance would be up for consideration. Life Insurance for a child or grandchild offers three important advantages: it’s inexpensive; it provides protection for the unexpected; and certain types of life insurance could help protect your child’s or grandchild’s insurability.

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