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Helpling to make life better,Now.

Qualifying Conditions

Every day, you put it all on the line to protect the citizens in your community. In order to save lives, firefighters risk theirs as well.

Now it’s our turn to protect you.

We were tasked to create the best benefits to protect the greatest assets of the fire service and First Responder community and we delivered! Living Benefits coverage is designed to fill the void that traditional supplemental policies do not – many times for the same cost or less. Living Benefits provide a “Cash Safety Net” that can help to replace your income, pay other bills and protect your retirement and other assets while recovering as well as providing for a death benefit.

Delivering peace of mind with planning and preparation.

Not Just for First Responders

While responders are commonly those we serve, these benefits are for everyone.

See the below qualifying conditions of each policy, we are here to help and to walk you through a better way to prepare to continue living your life peacefully and stress-free should the unthinkable happen.

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What Qualifies?

Chronic Illness 1

Chronic illnesses are typically conditions suffered for a long period of time, during which normal daily living is disrupted. The qualifying illness or conditions affect the ability to perform simple tasks like eating, or dressing without assistance or they may also involve severed cognitive impairment that necessitates substantial supervision such as Alzheimer’s Disease.

The illness or condition does not need to be considered permanent, but must impair the insured where he or she are unable to perform at least two Activities of Daily Living (ADL’s):

  • Eating
  • Toileting
  • Bathing
  • Transferring
  • Dressing
  • Continence

Critical Illness

Critical illnesses come on suddenly and without warning and the financial affect can be devastating. Living Benefits can help you reduce the financial effects of the following qualifying critical illnesses or conditions 2

  • Major Heart Attack
  • Coronary Artery Bypass
  • Stroke
  • Invasive Cancer
  • Major Organ Transplant
  • End Stage Renal Failure
  • Severe Burn
  • Paralysis
  • Coma
  • Arterial Aneurysms
  • Blood Cancers: Leukemia, Lymphoma, Multiple Myeloma & Myelodysplastic Syndromes
  • Alzheimer’s, Parkinson’s, MS, ALS, Huntington’s, Dementia
  • Any condition that causes a reduction of life expectancy

Terminal Illness

Living Benefits can help you financially make the most of your remaining journey following a terminal illness diagnosis. Terminal illnesses are defined as those in which a physician reasonably expects will result in the insured person’s death within 24 months 3

1 Insured must be certified as chronically ill by a licensed physician and meet all eligibility requirements.

2 Benefit eligibility is subject to limitations and/or Waiting Period, Elimination Period and exclusion requirements.

Please read the rider carefully for a complete definition of benefits and the conditions.

3 Life expectancy criteria vary by state.

Its our job to ensure you have the best protection available for yourself and your families. With access to over 60 carriers, we are committed to providing the best possible coverage at the most affordable price.