Mortgage Protection with Living Benefits – Term & UL
Heart Attack
Stroke
Cancer
ALS
Organ Failure
Kidney Failure
Alzheimer
Accelerate up to 95% of
death benefit. Issue Age 75
or younger.
STRONG FOUNDATION
SMART UL
SAFESHIELD TERM
EQUITY PROTECTOR
CLASSIC 1
SAFE HARBOR TERM
STANDARD & EXPRESS
CRITICAL
TERMINAL
CHRONIC
Unable to perform 2
activities of daily living for at
least 90 days.
Accelerate up to 24% of
death benefit in any 12
month period, up to 80% of
death benefit.
Issue age must be 75 or
younger.
Life expectancy 12 months or
less.
Maximum payout of 95% of
death benefit or $500,000.
Available at all issue ages.
Heart Attack
Stroke
Cancer
ALS
Major Organ Failure
Kidney Failure
Accelerate up to 95% of
death benefit. Not available
on ROP Policies.
Unable to perform 2 activities
of daily living.
Accelerate out up to 24% of
death benefit in any 12 month
period, up to 95% of death
benefit.
Not available on ROP policies.
Life expectancy 12 months or
less.
Max payout of 95% of death
benefit on non-ROP policies.
Not available on ROP policies.
Heart Attack
Stroke
Cancer
ALS
Major Organ Failure
Kidney Failure
Blindness due to diabetes
Major organ transplant
Paralysis (2 or more limbs)
Accelerate up to 100% of
death benefit.
Unable to perform 2
activities of daily living.
Accelerate up to 24% of
death benefit in any 12
month period.
Life expectancy 24
months or less in all
states except Florida,
which is 12 months.
Payout up to 100%
of death benefit.
Life expectancy 12
months or less.
Payout up to 95% of death
benefit.
Heart Attack
Stroke
Cancer
ALS
Major Organ Transplant
Kidney Failure
Accelerate up to 95% of
death benefit.
Only 1
critical benefit election
per 6 months.
Unable to perform 2 activities
of daily living for at least 90
days.
Accelerated up to 24% of death
benefit in any 12 month period.
Check your state’s specifications for availability of all riders
CANCER
· 1 in 2 MEN will get cancer
· 1 in 3 WOMEN will get cancer
· 68% Survival Rate
F A CTS & S TA TS
STROKE
· 800,000 Per Year
· 80% Survival Rate
· Average age of first stroke; 66 for MEN & 70 for WOMEN
HEART ATTACK
· 720,000 Per Year
· 80% Survival Rate
· Average age of first heart attack is 65
HMS 125 CBO
Heart Attack
Stroke
Cancer
ALS
Major Organ Failure
Kidney Failure
Must accelerate 100% of
death benefit.
Unable to perform 2
activities of daily living for at
least 90 days.
Must accelerate 100% of
death benefit.
Life expectancy 12
months or less.
Must accelerate 100% of
death benefit.
TERM LIFE EXPRESS
Heart Attack
Stroke
Cancer
ALS
Major burns
Kidney Failure
AIDS
Dementia
Aortic aneurysm surgery
Accelerate up to 80% of
death benefit. Not available
on ROP Policies.
Unable to perform 2 activities
of daily living for at least 90
days.
Accelerate up to 24% of
death benefit in any 12 month
period, up to 80% of death
benefit.
Not avilable on ROP Policies.
Life expectancy 12 months or
less.
Maximum payout of 80% of
death benefit on non ROP
policies. Not available on ROP
policies.
Updated 06/12/2019
6 ACTIVITIES OF DAILY LIVING:
Eating, bathing, getting dressed,
toileting,transferring, continence
