Life Insurance Tulsa

Life Insurance With Living Benefits – Real Life insurance you don’t have to die to use.

At Derby Insurance Solutions we offer our clients the added benefit of Life Insurance with Living Benefits.

What are living benefits?

Most people purchase life insurance to provide for their families at the time of their death. But wouldn’t it make sense for those same financial benefits to be available to yourself and your loved ones in the event of a chronic, critical or terminal illness? This is what we refer to as “Living Benefits” life insurance.


Additional Protection Through Living Benefits

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Health Crisis With Regular Life Insurance

Experiencing a critical, terminal, or chronic illness lead to an increase in expenses and a loss of income.  When what you spend is greater than what you earn, you will begin to accumulate unimaginable debt.

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Life Insurance With Living Benefits

Life insurance with Living Benefits will begin to give you benefits when you need them so that your income and expenses will stay even.


How Living Benefits Works

Living benefits will begin to help cover your expenses in case of:

Terminal Illness

Pays a lump-sum benefit if you are diagnosed with a terminal illness resulting in life expectancy of less than 12 months (24 months on some policies). This can be used for experimental medicine, prepare for final expenses or any other purpose you feel necessary.

Chronic Illness

Pays a monthly benefit should you become diagnosed as chronically ill and unable to perform two daily activities such as bathing, dressing, eating, or due to cognitive impairment. The funds are paid directly to you, not to doctors or hospitals.

Critical Illness

Pays a lump sum benefit should you suffer from a triggering illness such as cancer, heart attack, stroke, Lou Gehrig’s disease (ALS), blindness due to diabetes, kidney failure or major organ transplant, and more!


Contact us today at Derby Insurance Solutions to find out how Life Insurance with Living Benefits can help you take care of yourself and your loved ones.