If you’re diagnosed with a critical illness or condition, living benefits can help you avoid the financial burden by providing a lump sum to help cover the associated costs. Our clients have found this useful for getting the treatment they want and filling in the financial gaps left by most medical insurance. Qualifying for critical illness coverage is dependent on factors that include current health, medical history, age, and occupation. 

“Living benefits allow you to access your life insurance without having to pass away.”

Living benefits are one of the newest additions to boring old life insurance. Living benefits allow you to access your life insurance benefit without having to pass away.

 By leveraging living benefits you are able to protect yourself and your family against the financial devastation that can occur from suffering a critical illness such as cancer, heart attack or stroke. With the rising costs of health care, a life insurance policy featuring living benefits allows you to rehabilitate and recuperate, while a lump sum benefit from your coverage gives you the buffer to pay for medical bills, household bills or really any other expense. Speak with your Equis Financial agent today to see how you can qualify for a living benefits policy.


Critical Illness

  • Heart Attack

  • Open heart surgery & Angioplasty

  • Life Threatening Cancer

  • Stroke or Major transplant

  • End-stage renal failure

Chronic Illness

  • Inability to perform 2 or 6 daily living activities  (Dressing, toileting, transferring, continence, eating, bathing)

  • Diagnosis of severe cognitive impairment

Terminal Illness

  • Life expectancy of 12 months or left.


Rich Gale

Speak With Rich

We help families remove financial threats that could disrupt their happiness, hope, and healing.

+1 (615) 583-9440

We Empower Professionals

We're looking for energetic, self-starters, entrepreneurs, managers, and closers that know that big money isn't handed to you, we work for it, but the rewards are outstanding!

+1 (615) 583-9440

FREE eBook Convert Your Debt to Wealth


Protecting your family from financial hardship and preparing for retirement are wise steps to take. Contact me today and let’s address your questions, concerns, and big plans for the future. 

Coverage type