Heather Bear

Financial Consultant @Premier Financial Alliance Seal Team

rockville, MD, US

BENEFITS YOU DON\'T HAVE TO DIE TO USE!Most people know life insurance can help provide financial security and continuity during one of life\'s most difficult times: the death of a loved one. What few people know is that life insurance can also help during another one of life\'s most difficult times: a chronic, critical or terminal illness. This help comes in the form of optional riders called Accelerated Death Benefit Riders, also generically known as Living Benefits, which can be added at no additional cost. By splitting up the life insurance policies among whole life, universal life insurance and variable universal life insurance together, Weber adds, other research indicates a policyholder’s cash value and death benefits will keep pace with inflation. In addition, the policyholder has access to the cash value, as well as increasing death benefits, especially at older ages.Life insurance may deliver greater legacy and living values in conjunction with the investment portfolio—for a given risk tolerance and reward goal—than a portfolio without life insurance. Learn about the best investment you can make for you and your family. AND best of ALL the cash value built can be accessed for anything you may need TAX FREE!