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Protect the ones you love

Life insurance can help you and your family be prepared if you are faced with serious medical situations or death. Purchasing term insurance is one of the easiest and most affordable ways you can financially protect your family.

Death Benefit

The death benefit of Ameritas FLX Living Benefits Term can provide a key resource for your family if you die prematurely. It can help your family avoid making major changes like selling your family home, switching schools or changing their lifestyle. Typically your family won’t owe any income taxes on this money–one of the many valuable benefits of having life insurance.

Living Benefits

There are many unexpected events besides death that, if not properly prepared for, could cripple a family’s finances in a hurry. So, in the event of a critical, chronic, or terminal illness, your policy has an accelerated death benefit rider that will protect you and your family by providing a portion of your policy’s available death benefit. This living benefit option will give you access to money while you are alive and when you may need it most. These living benefits are automatically included in your policy at no additional premium charge.

It costs less than you might think

Most Americans (80%) overestimate the cost of term insurance.* Your premiums are based on your age, how healthy you are and how long you want your insurance to last. If you qualify, you can purchase up to $300,000 of life insurance protection with no physical exam or lab work. Larger amounts are available with a few simple tests and an in-person health interview, scheduled at your convenience.

* Life Insurance Ownership in Focus U.S. Household Trends, LIMRA, 2016.

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While we can’t always protect our family from life’s struggles, we can take steps to ease the burdens created when hardships occur.

Critical Illness

When a critical illness like a sudden heart attack or unexpected cancer diagnosis hits, the last thing you and your family want to worry about is money. But the reality is that when dealing with a major illness, expenses go up and income goes down. You can accelerate up to 90% of your available death benefit up to $1.5 million maximum.

Your policy’s death benefit and your life expectancy will be used to calculate the amount of your death benefit that could be advanced if you are diagnosed with a qualifying critical illness. The amount you receive will reduce the death benefit your beneficiaries will receive when you die but you can spend it any way you wish while you are living. The more serious your critical condition, the more benefit you will be eligible to receive. The amount of death benefit you ultimately choose to accelerate will be up to you – giving you options and flexibility when you need it most.

Qualifying critical illnesses

Life-threatening cancer
Stroke
Major heart attack
End-stage renal failure
Major organ transplant
Amylotrophic lateral sclerosis (ALS)
Blindness due to diabetes
Paralysis of two or more limbs
Major burns
Coma
Aplastic anemia
Benign brain tumor
Aortic aneurysm
Heart valve replacement
Coronary artery bypass graft surgery

A chronic illness can be both emotionally and financially exhausting
for the entire family. In those situations, you can accelerate up to 90%
of your available death benefit up to $1.5 million maximum if you are
unable to perform two of six activities of daily living for at least 90 days or if you have been diagnosed with a severe cognitive impairment.

Your current death benefit and your life expectancy will be used to
calculate the amount that could be advanced to you. The amount you
decide to have advanced will reduce the amount your beneficiaries
will receive when you die. However, the money you receive may
improve your quality of life and reduce the strain on your loved ones.
The more severe your chronic illness, the more benefit you will be
eligible to receive.

Qualifying chronic illnesses

Severe cognitive impairment or the inability to perform at least two of the following activities of daily living for at least 90 days:

dressing
toileting
transferring
continence
eating
bathing

Sometimes we can’t control what happens in life. The terminal illness benefit on your policy may help you get back some control by accelerating up to 90% of your available death benefit, up to $1.5 million, if a doctor certifies you have 12 months or less to live. It may give you the resources you need to spend the time you have left the way you wish, or to pay for a possible life-saving experimental treatment that is not covered by health insurance.

Customize your policy by adding optional benefits called policy riders.

Childrens’s Insurance: This rider provides $25,000 of life insurance for each of your children for one fee. Later in life, your children can convert their coverage to permanent protection. Available to parents age 18 to 55.
Waiver of Premium: This rider waives the policy’s premium if you are totally disabled. How long the premium is waived depends on when the disability occurs. This feature is available to people age 18 to 55.
Accidental Death Benefit: This rider will provide an additional $25,000 to $100,000 to your beneficiaries if your death is an accident. Available from age 18 to 60 or 65, depending on the length of your coverage.

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