Protection That Pays While You're Still Here.
Traditional life insurance only pays after you're gone. Our policies — issued through National Life Group — include living benefits that give you access to your coverage during critical illness, chronic conditions, or terminal diagnosis.
THE DIFFERENCE
Four Benefits. One Policy.
Your policy works for you at every stage — not just at the end.
Critical Illness Benefit
Access a portion of your death benefit if diagnosed with a qualifying critical illness such as heart attack, stroke, or invasive cancer. Use the funds for treatment, recovery, or any purpose you choose.
Chronic Illness Benefit
If you become permanently unable to perform two or more Activities of Daily Living (ADLs), you may access your policy's death benefit while still living — providing income when you need it most.
Terminal Illness Benefit
If diagnosed with a terminal illness with a life expectancy of 12 months or less, you can access your benefit early to handle final expenses, medical bills, or leave a legacy on your own terms.
Death Benefit
Your family receives a lump sum death benefit upon your passing — generally income-tax-free — providing financial continuity: mortgage protection, income replacement, education funding, and peace of mind.
THE PROCESS
How It Works
Free Consultation
We analyze your health profile, family situation, and financial goals to identify the right coverage amount and structure.
Policy Design
We design a policy through National Life Group tailored to your needs — coverage amount, premium, and living benefit riders.
Application & Underwriting
We guide you through the application process. Many policies are available with simplified or no-exam underwriting.
Coverage Activated
Your policy is issued and active. Living benefits are available from day one — no waiting period for qualifying events.
COMMON QUESTIONS
Frequently Asked Questions
What are living benefits?
Living benefits are riders attached to a life insurance policy that allow you to access a portion of your death benefit while still alive, upon diagnosis of a qualifying critical, chronic, or terminal illness.
Does using living benefits reduce my death benefit?
Yes — any amount accessed through living benefits is deducted from the total death benefit. Your advisor will explain the exact mechanics during your consultation.
Is the benefit I receive taxable?
In most cases, living benefit payments are received income-tax-free. However, tax treatment depends on individual circumstances. We recommend consulting a tax professional for your specific situation.
Do I need a medical exam to qualify?
Many of our policies offer simplified issue or no-exam options, depending on coverage amount and health profile. We'll identify the best path during your consultation.
What conditions qualify for the critical illness benefit?
Qualifying conditions typically include heart attack, stroke, invasive cancer, end-stage renal failure, major organ transplant, ALS, and others as defined in the policy. Full details are provided in the policy contract.
YOUR ADVISOR
Ewerton Decastro
Licensed Insurance Producer · Fidelium Financial & Insurance
Serving families across Massachusetts and beyond with trilingual guidance in English, Portuguese, and Spanish. Every consultation is free, no-pressure, and personalized.