Client Testimonials

"You just don't know what tomorrow brings..."

Dr. Kevin Hay was a perfectly healthy man in his 40s, running a successful chiropractic practice and raising six kids with his wife, Shannon. He started funding an IUL policy with Living Benefits as a means to plan for a tax-free retirement. Kevin had no way of knowing how that decision would wind up shaping the future of his family for generations to come. 

"This is your future that you are thinking about..."

Latasha McCray had all of her ducks in a row – she was in perfect shape, had a great job and a financial plan for the future. But when a breast cancer diagnosis turned her world upside down, Latasha found all of her well-laid plans crumbing around her. Watch as Latasha tells the story of how her Living Benefits life insurance sprung into action at the time she needed it most, leaving her plenty of money to replace her lost income and pay for all of her medical treatments en route to a full recovery. 

"Without it, we'd be bankrupt..."

When business owner Devan Shockley was diagnosed with a malignant melanoma in his calf, he and his wife Cathleen were shocked to find that their excellent health insurance left a gap of more than $30,000 to treat his cancer. To their vast relief, Living Benefits was included in their life insurance policy and they were able to accelerate nearly $200,000 to get the relief they needed en route to a full recovery. 

"It saved the house."

Jim Johnston was healthy – he surfed, he golfed, and was active. He had no reason to think he was going to get diagnosed with cancer. When he discovered a lump under his jawline while shaving, his world was changed in an instant. Watch as Jim and his wife Anne relive his unexpected throat cancer diagnosis, and how his Living Benefits life insurance policy ultimately saved them from losing their house. 

"It lifted a burden."

Elizabeth Martinez Genova was busy living her life to the fullest. She had served in the military, graduated law school, raised a wonderful son, and spent her spare time travelling the world and exploring different countries and cultures. She was hesitant at first, but after learning about how Living Benefits could allow her to access her death benefit while she was still living if she ever got sick, Elizabeth saw the value in it and put a policy in place for herself. That decision would prove to be one of the most important and impactful choices she ever made after she’s been diagnosed with terminal pancreatic cancer. 

"The stress just evaporated."

When Amanda Thomas was diagnosed with thoracic cancer shortly after delivering their fourth child, her family’s world was turned upside now. She would spend a year out of work while undergoing grueling chemo treatments. Her job dropped her from their health insurance. Her paychecks stopped coming in. Meanwhile, the medical expenses were piling up. Thankfully, Amanda and her husband Eugene had prepared for this very situation back when she was healthy by putting a Living Benefits life insurance plan in place for their family. Utilizing her policy’s Critical Illness rider, Amanda was able to accelerate $405,000 of her life insurance policy’s death benefit to get a tax-free check for $343,000 in her hands.