Life Insurance You Don’t Have to Die to Use

Life Insurance For Life
Managing The Details of Illness
The Death Benefit is the most important part of life insurance. It can
provide a reservoir of funds at death to protect your client’s family.

Life Insurance You Don’t Have to Die to Use
Ed Garcia, an Agent for Prosperitas Financial was reminded of the difference life insurance can make in
our lives when one of his clients came to him with horrible news.
Meet Steven Smith
 Steve is a self employed painter with a wife and two
children. He came to Ed in response to a mortgage
protection letter, and purchased a $100,000 policy to protect
his family’s financial security.
 Two years later, at the age of 50 Steve was diagnosed with
lung cancer. He did not have health insurance, and quickly
realized how expensive his illness would be.
“There’s a lot of details in being sick.” – Steven Smith
 Having been told by his doctor that he could no longer paint because the fumes were bad for his
lungs, Steve lost his whole source of income while facing a mountain of medical bills.
 “You’re used to seeing a check come in, and now you don’t have that… what are you supposed
to do? – Steven Smith
 Steve came to Ed for help, and they decided to utilize the Critical Illness benefit. He first
accelerated $50,000 of his death benefit and received a benefit of $41,000. Three months later
he accelerated the remaining $50,000 and received another $41,000.

“What our policy allowed him to do is get better.” – Ed Garcia
 Steve went through chemo, radiation and surgery. Fortunately, his cancer is now in remission,
and he credits this to the fact that he was able to focus on getting better without financial worries.
 “Without this policy they may have had to uproot their family and lose their home.” – Ed Garcia
Talk to your clients today about Life
Insurance with Living Benefits
Contact Sweeting at 864-901-6410
Insurance
You Don’t
Have to Die
To Use
The client’s name was changed to protect privacy.
Covered critical illnesses are heart attack (myocardial infarction), stroke, diagnosis of cancer, diagnosis
of end-stage renal failure, major organ transplant, diagnosis of ALS (amyotrophic lateral sclerosis), or
blindness (corrected vision no better than 20/20 in both eyes). These conditions will vary in some states.
Living Benefits are provided by no additional premium Accelerated Benefit Riders. Riders are
supplemental benefits that can be added to a life insurance policy and are not suitable unless you also
have a need for life insurance. Riders are optional and may not be available in all states or on all
products.
Receipt of Accelerated Benefits will reduce the cash value and death benefit, may result in a taxable event.