Final expenses
Help cover funeral costs and other immediate expenses.
What your plan can protect
More than a policy. A promise to your family.
Life insurance can help the people you love face tomorrow with more stability and fewer financial burdens.
Income replacement
Help your household continue paying everyday bills.
Home protection
Provide funds that may help with rent or mortgage payments.
Debt support
Help loved ones manage eligible personal debts and obligations.
Children’s future
Leave resources for education and important milestones.
A lasting legacy
Pass forward something meaningful to the next generation.
Benefits you may use while living
What’s in it for me? Living Benefits
Certain life-insurance policies may allow you to access part of the death benefit while you are still living after a qualifying illness. The exact benefits, conditions, and amounts depend on the policy.
Critical Illness
A critical-illness living benefit may provide access to part of your policy’s death benefit after a qualifying serious condition, such as a heart attack, stroke, or certain cancers.
The money may help with household bills, medical expenses, lost income, or other financial responsibilities while you focus on recovery.
Qualifying conditions and benefit amounts vary by policy.
Chronic Illness
A chronic-illness living benefit may be available when a qualified medical professional determines that you cannot perform certain everyday activities without help or you have a qualifying severe cognitive impairment.
It may help with caregiving, home assistance, daily living expenses, or other needs created by a long-term condition.
Eligibility requirements and how benefits are paid depend on the policy.
Terminal Illness
A terminal-illness living benefit may allow you to access part of your death benefit after a physician certifies that you meet the policy’s life-expectancy requirements.
The funds may help with medical care, household expenses, final arrangements, or meaningful time with loved ones.
Using living benefits generally reduces the amount later paid to your beneficiaries.
“You don’t have to be wealthy to leave a legacy. You need a plan.”
Protection is not cash in hand
The benefit is paid according to the policy’s terms after a covered death.
Coverage is personal
Eligibility, cost, and available coverage depend on factors such as age, health, underwriting, and policy type.
Clarity comes first
Ask questions, understand your options, and choose coverage you can comfortably maintain.
Start with what matters most
What would you want protected?
Choose one. We’ll turn it into a clear question you can bring to Gloria.
Have a million questions
Text Gloria nowMy Commitment to You
Clear explanations
I’ll explain life insurance in plain language so you can understand your options.
Time for your questions
Your questions matter. I’ll take the time to listen and help you find answers.
Help understanding coverage and costs
I’ll help you understand what a policy covers, its limitations, and what it costs.
Respect for your decisions
I’ll offer guidance without pressure, so you can decide what works for you and your family.
Speak with Gloria
Let’s protect what you’ve worked to build.
Call or text to begin a personal conversation about life-insurance options for you and your family.
(682) 308-5064 bereshit@itbgg.com