Quality of Life...Insurance  with Living Benefits

Living Benefits explained

Living Benefits can help you maintain your quality of life during unexpected life events by providing a portion of your contractual death benefit while you are still living if your condition meets the criteria for one of the described illnesses.  Also known as an Accelerated Death Benefit, Living Benefits can be used for any purpose. 

Between the cost of care and the potential lost income, chronic, critical and terminal illnesses can have a severe financial impact on your quality of life.

Chronic Illnesses are typically conditions suffered for a long period of time, during which normal daily living is disrupted. 

Critical Illnesses often come on suddenly and without warning such as, major heart attack, stroke and invasive cancer.

Terminal illnesses are defined as those in which a physician reasonably expects will result in the insured person's death within 24 months

It's insurance that's available when you need it most

Every day, we all go about our lives confident that life will be experienced to its fullest. Unfortunately, our life journey can be disrupted due to unforeseen and unavoidable events. Some of the worst disruptions to a person's life are major health events--such as chronic, critical, terminal illness and accidents. Major illnesses or injuries suffered from an accident can have a detrimental financial impact on our quality of life at any stage.

Quality of Life...Insurance products include built-in, no-cost living benefits to help you maintain your quality of life during such events. Whether it's Flex Term Life, Index Universal Life, or Guaranteed Universal Life, all policies provide a valuable death benefit while including living benefits that can provide help with medical expenses, retirement or other life events. And all QoL policies are issued by American General Life Insurance Company (AGL), Houston, TX, except in New York. 

Watch a Living Benefits Story

Medical Realities

  • 5,000,000 Americans are living with Alzheimer's Disease

  • Approximately every 40 seconds, an American will have a heart attack

  • 92% of older adults have at least one chronic illness; 77% have at least two

  • 75% of stroke victims survive the first year; 50% will survive beyond five years


Insurance Services

Bradley J. Fiene


949-606-8726 fax

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