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Living Benefits
Changing Real Lives
Rachael Roberts (continued)
illness and the ensuing treatment plan. Rachael age bracket had a 67% chance of surviving a five
ran through her liquid assets very fast and turned year period. If the Multiple Myeloma had spread
to her other various assets to find money. Rachael to other parts of Rachael’s body, the outlook would
read her Executive UL insurance policy and have been a 44% chance of Rachael surviving
remembered that her agent had told her about for five years so Rachael was glad it had been
the Accelerated Benefit Riders and how they could caught early.
help her if she had a qualifying illness. Rachael The Executive Universal Life policy did not have
reviewed the information and found she may be substantial cash value which would have increased
able to make a current claim on her life insurance the offer. Based upon a full acceleration of the
policy through the Accelerated Rider Benefits. $75,000 face amount, the American National offer
Rachael immediately called her Agent and was for $51,860.10 or 69.15% of face including a
asked how she could apply for benefits. Rachael $250 fee. Rachael was very happy to accept the
completed the paperwork and had her medical offer which allowed her to meet her obligations
records sent in with the application for benefits.
and stay in her condo. When someone is suffering
The American National Doctor performed a Life terribly with an unknown future, the living benefit
expectancy calculation and determined that may mean more to them than the death benefit
someone with Rachael’s medical problems and ever could.
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