ABOUT LIVING BENEFITS GEEK
California Life and Disability, Inc. has been serving the Bay Area for over 20 years and is one of the first pioneers in Living Benefits Life Insurance in California.
We specialize in tech professionals who are concerned that a major illness or disability will deplete their family's assets of savings and investments. Together we create a plan that in the event our client becomes sick they will be able to access immediate cash from their life insurance without having to liquidate saved assets.
We will help develop a family plan for when catastrophic things happen in life such as an illness or premature passing.
We transparently provide our clients all the details about life insurance so they can make the best possible decisions for themselves and their family.
Would You Be Better Off if Your Life Insurance Paid You to Live?
Living Benefits Life Insurance is an all in one insurance that can help cover:
death, illness, disability, and long-term care costs.
Living Benefits Life Insurance helps you survive a life-threatening life illness by prepaying benefits with no restrictions in a lump sum now, so you can focus on getting better and not having to worry about paying your mortgage, monthly living expenses, medical expenses or a child’s college tuition.
If you become sick with one of the three qualifying conditions you can use your life insurance now:
Use Your Life Insurance Benefits Early if You Become Sick
Critical illnesses include "short term illnesses" with a good chance of recovering.
Qualifying critical illnesses include:
Chronic illness includes cognitive impairment such as Dementia or Alzheimers Disease OR
not be able to do two of the Daily Living activities without help.
Daily Living Activities include:
Getting out of a Chair/Bed
Going to the Bathroom
With the Living Benefits Terminal Illness Rider, if your physician deems your condition terminal, you can use your life insurance benefits now for medical expenses, paying off the mortgage, or enjoying time with your family.