Insurance Only Provides Term Life Insurance With Living Benefits

A leading Texan independent insurance agency offers term life insurance with living benefits, which allows people to receive up to 90% of the death benefit if they suffer from a major accident or illness while they are living to help with medical bills or end of life care.

Insurance Only illustrates the advantage of life insurance with living benefits by explaining that traditional life insurance policies provide no payment to insured persons while they are still alive. People who hold a traditional policy will only receive a benefit payment for their beneficiaries if they die within the term of the policy. This term could range from one year to 30 years. If policyholders remain alive after the term they receive no payment or refund of premium.

In contrast, living benefits riders (LBRs) attached to life insurance policies provide additional protection and peace of mind for the insured and their families should they become critically ill. In their site, Insurance Only highlights that an LBR can be included at the start of the policy or added to an existing policy at little or no additional cost. Living Benefits allow people to have access to up to 90% of the death benefit should they suffer a major accident or a critical illness such as a stroke, heart attack or cancer. Access to such funds enables policyholders and their families to pay medical costs incurred from treatments required or end of life care.

The insurance agency further illustrates the importance of including living benefits by underlining the fact that people are three times more likely to suffer a terminal illness than die prematurely. The company also reinforces the point with some hard-hitting statistics, which show that people suffer a stroke every 40 seconds, are diagnosed with cancer every 30 seconds, and have a heart attack every 44 seconds; making living benefits policies invaluable.

Insurance Only is an independent agency that has relationships with over 50 of the top rated insurance companies including Transamerica and Prudential. This allows the company to offer its clients the most competitive life insurance policies available.

Prospective customers can find more information or obtain a quote at

Media Contact
Company Name: Insurance Only
Contact Person: Curtis Drake
Phone: 830-598-7538
Address:6400 FM 2147 ste 206
City: Horseshoe Bay
State: TX
Country: United States