Living Benefits Available
Living benefits are most often associated with permanent (cash value) life insurance. But even term life insurance policies can be purchased with one or more riders, which will pay you money while you’re still alive—under circumstances, you, frankly, hope you never find yourself in. Hint: Those circumstances all have to do with illness:
- You’re terminally ill. You can receive a portion of your death benefit in advance, for help with medical expenses, one final around-the-world fling, or whatever.
- You’re chronically ill. Frequently you’re considered chronically ill if you can’t perform several of the six activities of daily living, such as getting out of bed, feeding yourself, bathing, and so forth. You can receive a portion of your death benefit in advance, in situations like this.
- You’re critically ill. That could mean you’ve been diagnosed with a heart attack, stroke, cancer, end-stage renal failure, major organ transplant, or some other pretty grim illness. Again, you can get some or all of your death benefit early—in time to be of some use to you
Lifetime Income Available
There’s an easy way to build up the extra cash you need for retirement, leisure, and even everyday expenses — and shield yourself from the economy’s frequent ups and downs at the same time.
- It’s collecting dividends… checks that companies, funds, and even bonds send you just for holding their stock.
- In fact, these regular checks could be the only reliable way to get ahead these days.
- Bank deposits certainly won’t cut it. Nor will Treasury bills. Not with interest rates so low.
- The stock market offers much higher returns. But the best way to see those gains is to ignore Wall Street’s conventional advice.
- You’ve no doubt been told you need a diverse stock portfolio to be successful. Your broker may have even steered you towards exchange-traded funds for some “instant diversification.”
- Don’t listen. That’s just holding and hoping — and it’s a losing strategy, as so many investors have discovered again and again.
- Lifetime Income Report is dedicated to finding you great companies with the biggest payouts. But it’s not just looking for high yields. It’s also looking for growing companies with the power to sustain those yields.