Life insurance for most is a peace of mind to take care of the family and the love one should there be a premature death to the bread winner of the family. Most clients consider a level term policy while they are young and healthy to take care of the financial obligations and yet provide a peace of mind to the family.
However, industry changes, there are life insurance policies provide living benefits for insured should he/she suffers critical illness and has the need of using the fund on the life insurance policy for the cost of repaying the medical cost and/or take care the cost of Long Term Care needs during his/her own life time.
Carriers affiliation:
• Accordia Life
• American General Life Companies
• American National
• AXA
• Banner
• Brighthouse Financial
• MetLife
• Hartford
• John Hancock
• Lincoln National
• Nationwide
• North American
• Principal Life
• Protective
• Prudential Financial
• Symetra Life Insurance
• Transamerica