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Life insurance you dont have to die to use.

Accelarated Beneftis Riders are optioal, no-additioal cost riders that can allow you too access all or part of your death benefit, while living, if you expericence a qualifying terminal, chronic, or critical illiness, or cristical injury.

Since the benetit is unrestriced, once you qualify, you cna use the benefti for any expense. Expenses migh include, but are not limited too:

Household Expenses

Home modifications

Nursing home care

Adult Day Care

Regular bills

Quality of life expenditures.

More information about Living Benefits Insurance coverage type.


What qualifies?

Generally, if you have been diagnosed with a terminal illness that will result in death within 24 months of certification of illness by a physician.

  • Receiving your benefit
  • The benefit payment will be a lump sum. There is no waiting period or annual benefit limit, but there is a lifetime limit on the amout of benefits you can recieve across all Acceleration Benefit Riders.

Here if you need it

You can elect to either:


Request the full acceleration, on a discounted basis, and use the lump-sum as you wish.


Choose to leave a portion of the policy death benefit intact and receive a portion benefit.


Leave the enite intact for you beneficiary.

Get an online quote, today to see what you might eligible for Living Benefits insurance.


A doctor has certified, within the past 12 months, that you are unable to perform two out of six "actvities of daily living" for a period of at least 90 consecutive days without assistnace, of that you are cognitively impaired.

Activities of Daily Living

1. Bathing

2. Continence

3. Dressing

4. Eating

5. Toileting

6. Transferring

Receiving your benefit

Generally, the rider needs to be in force for a period of two years. There is an annual limit of amount of benefits you can receive. Thre is also a lifetime limit of amount of benefits you can receive across all Accelerated Benefts Riders

Here if you need it

Note that you do not have to be in a licence facility to receive payments, and that you can apply for benefits every 12 months. Benefits can be used for any reason (with 1 state exception), and do not need to be used for medical expenses.

If you should need it, and you qualify, after the waiting period you can:


Acceleration portions of your death benefits every year to receive benefit payments.


Leave the policy intact for you beneficary.

Get a Living Benefits insurance quote online to today

Get a quote

What Worries You Worries FA...

Thinking about and planning for difficult times is stressful.

How many people find finances stressful?


7 out of 10 people say finances are a significant cause of their stress.

Do you know many households do not have a financial plan?

2 out of 3

2 out of 3 households do not have a financial plan for retirement, education, emergencies, financial goals, and major purchase.

What percent of Americans worry about paying for medical expense?

6 out of 10

6 out of 10 people worry about paying for medical expenses.

FA with You, FA for You

Let's roll up our sleeves and get to the hard work of helping make your life the life you imagined.

We all know life has its challenges.


Worry Less

Die Too Soon

Their life will change when you're no longer here but their lifestyle shouldn't have to. Protect the lifestyle you've built for those you love

Breathe Easier Become Ill

Americans living with chronic diseases face rising healthcare costs. Health insurance costs continue to rise.

Experience Life Live Too Long

Let's get real: It’s not how much you have, but HOW LONG it will last.

Contact an FA agent in your for more infomation about Living Benefits.

Get a quote

Getting An Living Benefits Quote

Quoting with FA is quick & easy answer a few simple question, give us some information about your history & we will give you an accurate quote to consider.

The Insurance Quote Process

  • 1.

    Fill information about yourself.


  • 2.

    Fill information about your Family.


  • 3.

    How much insurance.

    We'll help you determine the amount of life insurance coverage you may need by calculating your expenses, debts and future financial needs...

  • 4.

    What will it cost?.

    We'll provide an estimate for a Living Benefits policy based on the amount of coverage you want, the length of time you want your policy to last, and your health and lifestyle.

  • Get a Quote


Advantage of FA Insurance Agent

Call FA insurance professional today. By having a better understanding of term life insurance, you can decide if it would be a valuable addition to your financial plans.

Maximized Savings

Quality Coverage

Claim Assistance

Personal Support

Explaining your coverage.

Finding discounts

Contact FA insurance agent to assist you with all your insurance needs.

Contact an agent Get quote

Why FA insurance agent ?

At first glance, we probably look like every big company out there. True, we’re one of the a strong financial services companies..

  • But spend some time with us and you’ll quickly see a difference — family is at the heart of all we do...
  • For more than 20 years, we’ve dedicated ourselves to helping families prepare for the future while helping them protect the things they care about today.
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  • Welcome to the Financial Advisors® family. You’re going to feel right at home.
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