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Below is some more information on life insurance:

Life Insurance Made Simple

Life insurance is more than just a safety net, it’s a smart way to protect the people you love and the future you’re building. Whether you're looking to replace lost income, cover major expenses, or build long-term financial security, we’re here to guide you through your options and help you choose a plan that truly fits your life.

What Is Life Insurance?

Life insurance is a contract between you and an insurance company. You pay a monthly or annual premium, and in return, your beneficiaries receive a tax-free payout, called a death benefit, when you pass away or when the policy matures (depending on the type of coverage you choose).

It’s one of the most important ways to ensure your family can stay on stable financial ground, even in the hardest times.

Types of Life Insurance

There’s no one-size-fits-all when it comes to life insurance. Here are the most common options:

Term Life Insurance

Affordable and straightforward, term life covers you for a set number of years (like 10, 20, 30, or 35). If something happens to you during that term, your loved ones receive the full death benefit. If the term ends, the policy expires but you can renew or convert it if needed.

Whole Life Insurance

This is permanent coverage that lasts your entire life, as long as you keep paying the premiums. Whole life also builds cash value over time, money you can borrow from or use in the future.

Universal Life Insurance

A flexible, permanent policy that offers both lifelong protection and the ability to adjust your premiums and death benefit. It also builds cash value with potential interest earnings, giving you more control over how your policy grows.

Not sure which is right for you? We’ll walk you through it.

Let’s Find the Right Fit for You

Whether you're just getting started or want to review your existing coverage, our team at Client Benefit Insurance Services is here to help. We work with multiple top-rated carriers to find a policy that fits your goals and your budget.

📞 Call us today at (858) 943-3555 or chat to request a quote online, your peace of mind starts here.

Living Benefits with Life Insurance

Life insurance with living benefits, also known as living benefits life insurance or accelerated death benefits, is a type of life insurance policy that provides additional benefits beyond the traditional death benefit. These additional benefits are designed to provide financial support to policyholders during their lifetime in certain situations of illness or injury. Here are some common living benefits included in these types of policies:

Critical Illness Benefit: This benefit allows policyholders to receive a portion of their death benefit if they are diagnosed with a critical illness covered by the policy, such as cancer, heart attack, stroke, or organ failure. The funds can be used to cover medical expenses, treatment costs, or other financial obligations.

Chronic Illness Benefit: Policyholders who are unable to perform two or more activities of daily living or require substantial assistance due to a chronic illness covered by the policy may be eligible to receive a portion of their death benefit to help cover long-term care expenses or other needs.

Terminal Illness Benefit: This benefit provides an advance payment of a portion of the death benefit if the policyholder is diagnosed with a terminal illness and has a life expectancy of typically 12 to 24 months. The funds can be used to cover medical expenses, hospice care, or to fulfill end-of-life wishes.

Long-Term Care Benefit: Some life insurance policies offer an optional rider or benefit that allows policyholders to access a portion of their death benefit to cover long-term care expenses, such as nursing home care, assisted living facilities, or in-home care services.

Check out our brochure for more information here.

How to Get Living Benefits with Life Insurance

If you’re in need of a Living Benefits with a Life Insurance policy, we’re here to help. Give Client Benefit Insurance Services a call at (858) 943-3555 or request a quote online to get started.