This is a superb question. Not everyone will fall into the category of possibly needing a Living Benefit Rider.
Whats a Rider?
Just as you see the little lady riding her significant other’s back⅞ in the photo on this article, a rider does similar behavior. A rider “RIDES or attaches onto your policy,” to help you in case of unforseen critical illnessin ñ.
However, anyone can add a rider onto just about any policy you choose.
In our professional opinion, considering your health history, the persons that we would recommend this type of rider to would be the following:
- Family history of illnesses such as:
- Any Cancer
- Heart disease
- High blood pressure
- Any serious illness that runs in your family
It’s much better to be prepared before trouble strikes. Its very hard to get insured when you’re already diagnosed with an illness than if you already have a current policy in place before you need it.
As they say, “Get in front of any potential issue.”
You would be surprised at how inexpensive a policy can be while you’re still young and spry.
If you have any questions give us a call or set up a FREE consultation. We don’t mind discussing your options..
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