Life Insurance That Pays
While You're Still Alive
Our life insurance policies include Living Benefits riders — access your death benefit early if diagnosed with terminal, critical, or chronic illness. No extra cost. Built into your policy.
175+
Years of Carrier History
A+
A.M. Best Rating
$50B+
Assets Under Management
3
Living Benefits Riders
What Are Living Benefits?
Unlike traditional life insurance that only pays when you die, our policies include accelerated benefit riders that allow you to access your coverage during a qualifying illness — while you are still alive.
Terminal Illness Rider
If diagnosed with a terminal illness with a life expectancy of 12–24 months, you can access up to 100% of your death benefit immediately. Use it for medical treatment, quality of life improvements, or to support your family.
Critical Illness Rider
Qualifying events include heart attack, stroke, invasive cancer, kidney failure, ALS, and more. Access a portion of your death benefit to cover treatment, lifestyle adjustments, and recovery without financial stress.
Chronic Illness Rider
If you are permanently unable to perform 2 or more activities of daily living (ADLs) or suffer severe cognitive impairment, your policy provides monthly benefit payments — acting as a long-term care alternative.
1848
Founded in Vermont, USA
175 Years of Proven Strength
Founded in 1848 in Vermont, our carrier has honored every claim through every major American historical event — the Civil War, two World Wars, the Great Depression, and every economic crisis since. One of the most financially secure insurance carriers in the United States.
- Founded 1848 — 175+ years of uninterrupted service
- A+ rated by A.M. Best (Superior financial strength)
- Over $50 billion in total company assets
- Pioneer in IUL products with living benefit riders
- Licensed and operating in all 50 U.S. states
- Consistently ranked among America's most trusted carriers
One Policy. Dual Protection.
Your policy works in two powerful directions — protecting your family if you pass away, and protecting you financially if you face a serious illness.
Protection for Your Family
Your beneficiaries receive the full death benefit tax-free — securing their financial future regardless of what happens to you.
Protection While You're Alive
Access your benefits during a qualifying illness diagnosis. No waiting. No bureaucracy. Your money, when you need it most.
Tax-Advantaged Cash Value
With IUL policies, your cash value grows linked to a market index — with a 0% floor (never lose principal) and real upside growth in U.S. dollars.
Tax-Free Legacy Transfer
Death benefits pass to beneficiaries completely free of income tax. Ideal for estate planning and cross-border legacy for Brazilian families.
Is This Plan Right for You?
If any of these situations describe you, a life insurance policy with living benefits could be the most important financial decision you make.
- Brazilian families in the U.S. seeking comprehensive protection
- Individuals who want insurance that pays in all scenarios
- People with no long-term care or chronic illness coverage
- Those building tax-advantaged wealth in U.S. dollars
- Anyone who wants a policy that works while they're still alive
- Families planning cross-border legacy transfer
Get Your Free Quote Today
Free. No obligation. 100% confidential. Our licensed agents will design a personalized plan tailored to your exact situation and goals.
Licensed agents. No pressure. Your quote is completely free.