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Our Wellness Blog
ACCELERATED DEATH BENEFIT
a living benefit:
You have the power to chose a “new kind” of life insurance.
Whether it's term, universal life, indexed universal life, or whole life products
with an accelerated death benefit as a living benefit
which allows you
the ability to accelerate the death benefit in your life insurance policy
should you get sick or injured.
This revolution in life insurance coverage is the best way to protect yourself from
the financial hardship and medical bankruptcy risks
associated with such occurrences from;
heart attack, cancer diagnosis, stroke, or any other critical, chronic, or terminal illness.
The accelerated death benefit rider
makes these living benefits possible!
it’s a better, evolved breed of life insurance
that comes at the same cost to you.
let others know what you want for your individual care before you need help
Advance directives explain how you want medical decisions to be made when you're too ill to speak for yourself.
These legal document's tell your
family, friends, and health care professionals:
What kind of health care
Who you want to make decisions
Types of Advance Directives
Advance Directives legally states which treatment you want if your life is threatened, including:
Dialysis and breathing machines
Resuscitation if you stop breathing or if your heart stops
Organ or tissue donation...
How to get advance directives
Create a document such as a HEALTH CARE POWER OF ATTORNEY document
in which, you name someone you trust, to make health decisions for you, if you can’t.
This can also be in the form of a DURABLE POWER OF ATTORNEY which includes financial and health powers and varies State by State
(check with your State laws for Power of Attorney and HealthCare Proxy or an Attorney knowledgeable in Elder Law & Estate Planning)
Get advance directive advice from any of these sources:
Your Health Insurance Agent - Me!
Your Health Care Provider
Your local Area Agency on Aging
Your State Health Department.
Your State Laws
What to do with your advance directives
Carry a card in your wallet that says you have an advance directive
a bracelet on your wrist with instruction for EMT's
Keep the original copies of your advance directives where you can easily find them
where your designated person(s) can locate them easily
Give a copy to
your health care proxy
power of attorney
health care providers
family,neighbor, trusted friend...
Review your advance directives each year.