Your living benefits

Life insurance is commonly used to protect your loved ones and provide a death benefit to help cover expenses in the event of your premature death. At X.I.S., we offer policies with living benefits.
Critical Illness

Critical Illness

The Critical Illness rider gives you the option to accelerate a portion of your death benefit if you are diagnosed with a heart attack, stroke, cancer, renal failure, major organ transplant, ALS or if you require Long Term Care, Skilled Nursing Care & In-home assistance.

Terminal Illness

Terminal Illness

The Terminal Illness rider gives you the option to accelerate a portion of your death benefit if you are diagnosed as terminally ill with a life expectancy of one year or less.

Chronic Illness

Chronic Illness

The Chronic Illness rider gives you the option to accelerate a portion of your death benefit if a certified Physician sees you as being unable two activities of daily living (bathing, continence, etc.) or if you require substantial supervision due to severe cognitive impairment.

See how Jim & Frank both survived similar heart attacks, but how one simple decision dramatically Affected their families retirement, savings, and recovery time.

Protecting your life has never been easier.

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