Would your insurance policy allow you access to your death benefit to help with expenses, like a mortgage, car payment or groceries?

 

Contact your local agent today, and ask about the Trendsetter® LB with Living Benefits.

 

Life Insurance you don't have to die to use

Ben

Married with two children, Ben was diagnosed with colon cancer at the age of 45. He has a $200,000 death benefit. He uses the Critical Illness Accelerated Death Benefit to access a portion of his benefits and chooses to accelerate $100,000. He used the benefit received from his acceleration to help pay for medical expenses and to assist in replacing income from not working.

Mary

Mary, age 77, becomes chronically ill. She can no longer stay in her home, so she moves into an assisted living facility. She utilizes the Chronic Illness Accelerated Death Benefit to accelerate $30,000 of her policy face amount annually (subject to maximum allowance) to help her pay for these added expenses.**

Sam
Sam, a family man, is diagnosed with a terminal illness at age 58. He uses the benefit from the Terminal Illness Accelerated Death Benefit to pay off his mortgage and help with his family's expenses.
Trendsetter® LB is a term life insurance policy from Transamerica Life Insurance Company that provides early access to the policy's death benefit in the event of a qualifying chronic, critical or terminal illness. People have turned to Transamerica Life to help ensure the future financial security of their families for over a century.1 
 
That means that while your family is depending on you, you can depend on Transamerica Life Insurance Company.

Experiencing a terminal, critical, or chronic illness may lead to increased expenses and decreased income. Once your expenses reach a number higher than your income, you begin creating debt.

Trendsetter LB term life insurance with Living Benefits can provide benefits  when they are needed the most – helping to pay expenses that a health insurance policy doesn't cover, especially expenses, such as mortgage, car, food, etc.

Learn more about how Trendsetter LB with Living Benefits can help protect your family’s financial future or contact your local agent.

Critical Illness
Critically ill means you’ve been diagnosed with a health condition such as a heart attack, stroke, cancer, end stage renal failure, ALS, a major organ transplant, blindness or paralysis resulting from specific underlying conditions. If you live in California, critically ill means you’ve been diagnosed after the Rider Date with a medical condition that would, in the absence of treatment, result in your death within 12 months.

Chronic Illness
Chronically Ill means that the Insured is unable to perform, without substantial assistance from another person for a period of at least 90 days, at least two out of the six Activities of Daily Living or requires substantial supervision by another person, for a period of at least 90 consecutive days, to protect the Insured from threats to health and safety due to Severe Cognitive Impairment.

Terminal Illness
Terminally Ill means that the Insured has a medical condition, resulting from bodily injury or disease, or both, which is expected to result in the death of the Insured within 12 months of diagnosis.The condition must be first diagnosed by a Physician on or after the later of the Date of Issue or the Policy Date; and must be demonstrated by clinical, radiological, laboratory or other evidence of the medical condition which is satisfactory to us; and must not be curable by any means available to the medical profession.


 

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1Transamerica Life Insurance Company is descended from a company founded in 1906.
 
Benefits provided through the Living Benefits, including the critical, chronic and terminal illness accelerated death benefits, are subject to certain limitations and exclusions. Amounts payable under the benefits vary based in part on the nature and severity of the Insured’s health condition and the Insured’s remaining life expectancy at the time of the acceleration as determined by the company. Refer to the policy or riders for complete details.
 
** The policyholder may accelerate a portion (not to exceed 24% per year or the lifetime 90% maximum) of the face amount up to a maximum of $1,500,000.
 
Any maximum amount that may be accelerated will also be subject to an aggregate maximum of $1,500,000 under all policies issued by Transamerica and its affiliates covering the same insured, including any death benefit accelerated under a terminal illness, critical illness, chronic illness or other living benefit option.
 
These events are hypothetical situations. Amounts payable under the benefits vary based in part on the nature and severity of the Insured’s health condition and the Insured’s remaining life expectancy at the time of the acceleration as determined by the company. The illustrated results are not indicative of any particular situation and your results will likely differ from the results shown above.
 

Trendsetter® LB is a term life insurance policy, Policy Forms ICC15 TL21 REV, TL21 REV or TL19 CA issued by Transamerica Life Insurance Company, Cedar Rapids, IA. Premiums increase annually beginning in year 11 for the 10-year policy, in year 16 for the 15-year policy, in year 21 for the 20-year policy, in year 26 for the 25-year policy, and in year 31 for the 30-year policy. Policy form and number may vary, and this policy and the riders may not be available in all jurisdictions. Not available in New York.  Insurance eligibility and premiums are subject to underwriting.  In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid.

 

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See how life insurance with living benefits has helped this family have peace of mind in a time of need.

Contact your local agent today, and ask about the Trendsetter® LB with Living Benefits.

 

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