Accident, Sickness & Long-Term Care

Living Benefits
When you need care

Coverage is available for when you need extra income after an accident or illness.

It's peace of mind knowing you have a plan in place for when the unexpected happens.

No One wants to think about a Critical Illness or what could happen if you become disabled. Our Living Benefit’s plans provide finances when you need it the most whether it be for Income or lump sum cash needs.

Disability Insurance

Insurance coverage designed to provide monthly income benefits when an Accident or a Sickness prevents the Insured from earning a living.

Various waiting periods apply prior to benefits being paid. Duration of income payments can last up to Age 65 depending on occupation.

Some additional benefits available are: Cost of Living, Partial Disability and Return of Premiums riders.

Critical Illness Insurance

Critical Illness Insurance provides a lump sum payment to the insured in the event of incurring a specified illness under the terms of the policy.

Benefits are payable upon claim approval and proper diagnosis of covered condition. This coverage is useful for offsetting costs associated with la lengthy illness.

Once benefit has been paid the funds can be used in anyway the insured deems necessary to help ease the financial burden caused by the illness.

Long Term Care Insurance

Long Term Care Insurance is designed to assist the insured with maintaining their normal living activities in the event of a prolonged physical illness, disability, or cognitive impairment that hinders them from performing two or more of these activities.

Examples of these activities are: Toileting, Dressing, Eating, Bathing, and Transferring.

Upon proper diagnoses the Insurer pays a benefit to cover the cost of the medical services and support required to maintain these day to day activities. This could be for care at home or in an Extended Care facility of choice.

The benefit amount are in increments of per day, per week, or per month. The maximum daily benefit amount varies based on the type of insurance purchased.


If you have any questions about which coverage is right for you, don't hesitate to Contact Us.
We'll be happy to answer any questions you have and assist you with the selection of insurance products.

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