Academy
LIVING BENEFITS TESTIMONIES
living benefits HAS TRANSFORMED THE LIVES OF many PEOPLE THROUGHOUT THE COUNTRY. HERE ARE SOME OF Team delta's STORIEs.
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LIVING BENEFITS INTERVIEWS
LIVING BENEFITS STORY | David Garcia
Stockton, California
Life insurance with living benefits has impacted my family’s life financially in a major way. Since I was the main provider for the family, my wife and I knew life insurance was important to have, but didn’t know much about it. When we took time to learn about life insurance with living benefits, we knew we were making the right decision. Thankfully we made the decision when we did, because four months after I received my policy, I got into a car accident. I fractured my pelvis, dislocated my femur and was out of work for about seven months without pay. Living benefits allowed me to accelerate $60,000 tax free from my death benefit IN LIFE. If it wasn’t for living benefits, that accident would have impacted our family in a different way financially.
LIVING BENEFITS STORY | Theresa Panag
Wahiawa, Hawaii
Theresa Panag applied for a Life Insurance policy with Living Benefits originally wanting it for Retirement. She liked the Index Universal Life because her job did not have a 401K as benefits. Three years later, she was diagnosed with Breast Cancer which accelerated her Living Benefit Rider and elected to accelerate 75% of her death benefit. This allowed her to focus on healing the natural route as Health Insurance does not cover for it. Due to having multiple doctors appointments, she was unable to go to work regularly. Having the extra money to pay for monthly bills and Medical bills, she was able to focus on healing. Unfortunately life happens but she stayed open minded and got something that covered the unexpected life events. She is now on her way to healing.
LIVING BENEFITS STORY | Robin Manansala
San Jose, California
Robin Manansala shares his experience from being diagnosed with cancer and finding out he was able to qualify from a Life Insurance he did not have to die to use! He was one of Team DELTAs friends and eventually joined the business to share more of the crusade to others.
NOT FOR PUBLIC DISTRIBUTION. FOR AGENT TRAINING PURPOSES ONLY.
*DISCLAIMER & DISCLOSURE: The information provided on this post does not and is not intended to, constitute financial advice; instead, information mentioned is for general educational & entertainment purposes only.
**Living benefits are provided by no-additional premium accelerated benefit riders.
Payment of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event, may affect your eligibility for public assistance programs, and may reduce or eliminate other policy and rider benefits. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you.
Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Riders are optional, may require additional premium and may not be available in all states or on all products. This is not a solicitation of any specific insurance policy.
The use of cash value life insurance to as an accumulation vehicle assumes that there is first a need for the death benefit protection. The ability of a life insurance contract to accumulate sufficient cash value to help meet accumulation goals will be dependent upon the amount of extra premium paid into the policy, and the performance of the policy, and is not guaranteed. Policy loans and withdrawals reduce the policy's cash value and death benefit and may result in a taxable event. Surrender charges may reduce the policy's cash value in early years.*