Term Insurance with Living Benefits

Let’s start by understanding why Living Benefits are so important.

Think about these statistics …chipmonk-whitexsm.jpg

We could become CRITICALLY or TERMINALLY ill.


  • Every 40 seconds someone in the US has a stroke.1
  • In the US, stroke is the third leading cause of death, killing 144,000 people each year, but more importantly, it is a leading cause of serious, long-term adult disability.2


  • Every 30 seconds a new cancer is diagnosed in the U.S.3
  • More than half of Americans diagnosed with cancer will survive for at least five years.4

Heart Attack

  • Every 44 seconds someone in the U.S. suffers a heart attack.5
  • Every year in the US more than 1 million people who suffer a heart attack survive for at least 12 months.  Three-quarters of all male, first-time heart attack victims aged 35-54 survive at least 5 years.4

It's too expensive!bear-whitesm.png

So, how can the average American family afford coverage to protect against financial hardship caused by death, critical illness, and/or chronic illness?  Safe Harbor offers Term Life Insurance with Living Benefits, a solution that is affordable.

Consider a 40 year old rates for these coverages:

Example monthly rates for Male, age 40 Preferred non-tobacco

  $300,000 Death Benefit


  $6,000 Monthly Long Term Care Benefit  


  $285,000 Critical Illness Benefit


 Grand Total:


Now see the savings with Safe Harbor Term:

The same 40-year-old Standard Non-Smoker


   $53.85  ...  

VS $365.66  

An affordable way to provide financial protection in the event of a critical or chronic illness!