The goal of this article is to help you understand that because the cash value is part of the Death Benefit, Accelerated Living Benefit riders have limited value in a maximum over-funded policy after the Death Benefit is reduced.
chronic illness rider
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By coupling a high-deductible health insurance plan with Critical Illness, Long Term Care, and Accidental Injury policies, you can lower your total cost of Health Insurance while simultaneously increasing your level of protection. Fact: Costly illnesses are responsible for two-thirds of all personal bankruptcies in the United States. Health Insurance […]
One great thing about obamacare is that we all have access to lower cost health insurance. Well, my insurance is now more expensive, but I’m sure yours is lower. Right? The big problem I see is that even if premiums went down for some people, the deductibles have gone […]
The open enrollment period for health insurance begins later this week. If you don’t have health insurance from your employer, now is the only time to either get coverage or change your existing coverage. If you don’t get insurance, you will owe your “shared responsibility” payment. The one thing […]