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Term Life Insurance

Life Insurance is often described as “Pure Protection”, Term Life Insurance provides a death benefit for a defined length of time (the “term”) such as 1, 5, 10, 15, 20 years or longer — the longer the term, the higher the cost will be.  If the insured dies within the term of the contract — even on the very last day — the insurance company pays a death benefit to the beneficiary.  In this type of life insurance, there is no cash value.  The low premiums pay for the death benefit and provide some profit to the insurance company over time.  Most larger insurance companies offer at least one type of term life insurance along with their cash value policies.

There is nothing inherently “bad” about Term Life Insurance, just as there is nothing inherently “bad” about any other type of life insurance.  It is sometime described as “temporary” as a way to make it seem inferior to a cash value policy, which will probably be described as “permanent”.

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Living Benefits

Living Benefits are the cornerstone of the edge that Affordable Living Benefits provides for its clients.

Most people purchase life insurance to provide a legacy of financial security at the time of their death. But doesn’t it make sense for the benefits to extend and be available for the difficult financial times they have to face if a chronic, critical or terminal illness precedes death? The industry calls the benefit an “Accelerated Death Benefit Rider.” We refer to it as real Living Benefits.Most of us are in this profession because of a sincere desire to help others in a manner that is both unique and timely. Living Benefits is one of the reasons why the Affordable Living Benefits family of agents is so passionate about what we do every day.




Additional Protection Through Living Benefits Chart

That is what distinguishes Affordable Living Benefits from all others and allows us to build An Alliance for Life between our agents and their clients!

OUR BELIEF…it’s simple, really.

We feel that you should have access to benefits you can use, while you are living. The products we offer provide a COMBINED solution that you can afford to have, but cannot afford to be without. This combination of benefits can help protect your plans for today – and tomorrow.

We like to refer to it as:

“Life Insurance you don’t have to die to use.”

From left to right, the basic types of life insurance policies below become more complex. Term, Whole, and Universal Life Insurance are all known as “General Account Insurance” because they are all direct liabilities of the insurance company (the death benefit and any cash accumulation are payable with the company’s General Fund assets, which includes premiums paid to the insurance company and held in reserve accounts).  Variable contracts are known as “Separate Account Insurance” because the cash value is not a direct asset or liability of the insurance company, and those funds are regulated by the Securities and Exchange Commission.

The Living Benefits Plan can Combine with any Life insurance option see below.

Term Life for: 5, 10, 15, 20, 25, 30, 35, 40 Years

Whole Life 

Universal Life

Variable Life 

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