Plan For The Unexpected

unexpected.JPGThe ultimate goal for most of us is to live a full life and have confidence that our personal and financial goals are possible. While you may not have total control over your health or how long you live, you can take steps today to plan for a secure financial future.

A smart plan starts with having proper protection from the financial impact of an unexpected event such as death or illness. Too often, families are caught off-guard by these events and the emotional and financial toll is alarming.

Planning for the unexpected is one of the most important things you can do for your family and your future.

Introducing Safe Harbor Term Life — a term life insurance policy specifically designed to help families get the most out of life.

Term insurance is an effective way to protect your family and cover expenses like short-term debts, medical bills, mortgage payments and college education in the event of a loss in your income. Safe Harbor Term Life offers death benefit protection in periods of 10, 15, 20 or 30 years, giving you the ability to protect your family for the length of time you select. In addition to the death benefit included with traditional term insurance, Safe Harbor Term Life also includes four living benefit riders, offering additional flexibility and coverage for a number of unexpected events. These riders are available at no additional premium and offer protection for:


1 U.S. National Cancer Institute Surveillance Epidemiology and End Results (SEER) Database, based on incidence and mortality data from 2008 through 2010.
2 The Cleveland Clinic, 2013.
3 American Heart Association, Heart disease and stroke statistic–2013 update.
4 The National Clearinghouse for Long-Term Care Information, May 2010.

We all hope that we live long, healthy lives, however many of us will face an unexpected illness or other hardship like unemployment in our lifetime.

Even though you can't predict the future, you can prepare for it.

Safe Harbor Term Life automatically includes the following benefits to help protect you and your family.

Critical Illness Rider

If you are diagnosed with a heart attack, stroke, cancer, renal failure, major organ transplant, or ALS, this rider allows you to receive a portion of your death benefit early. 5, 6

Chronic Illness Rider

If you are certified by a Physician as being unable to perform at least two activities of daily living or require substantial supervision due to severe cognitive impairment, this rider allows you to receive a portion of your death benefit early. 5, 6

Terminal Illness Rider

If you are diagnosed as terminally ill with a life expectancy of 12 months or less, this rider allows you to receive a portion of your death benefit early as a lump-sum 5 to be used as you wish.

Unemployment Waiver of Premium

If you become unemployed for a period of at least 4 weeks and are receiving state or federal unemployment benefits, this benefit waives six months of premium. 7

In addition to these included living benefits, Phoenix Safe Harbor Term Life also offers an optional benefit to cover accidental death.

Accidental Death Benefit Rider

The Accidental Death Benefit Rider must be elected at issue and requires an additional premium. If your
death occurs by a covered accident, this benefit pays an additional lump-sum benefit to your beneficiaries.