Terminal Illness Rider
Triggered when a physician certifies a life expectancy of 12–24 months or less.
Access up to 50–90% of your death benefit while you're still alive, to pay bills, travel, or spend time with family.
Life Insurance Is Broken. It Only Pays When You Die.
Living benefits pay you, while you're still alive, to recover from a heart attack, stroke, or cancer. Find out if your current policy has this built in, or if your family is exposed.
Why traditional coverage leaves you exposed
- About 1 in 3 Americans will be diagnosed with cancer in their lifetime (American Cancer Society).
- A widely cited Harvard-based study found medical bills or illness contributed to 62% of U.S. personal bankruptcies (Himmelstein et al., 2009).
- The 2026 ACA out-of-pocket maximum for an individual health plan is $10,600. That's what a single bad year can cost, even with insurance.
Traditional life insurance pays $0 toward your recovery. It pays your family after you're gone, not you, while you fight.
Health insurance covers the hospital. It doesn't cover the mortgage while you can't work. That's the gap living benefits close.
The three riders that change everything
This isn't a separate policy or a side fund. You're accessing your own death benefit early, when you need it to live, not after you're gone.
Critical Illness Rider
Triggered by a qualifying diagnosis: heart attack, stroke, cancer, kidney failure, and more.
A lump-sum cash payment to cover treatment costs, replace lost income, or keep the mortgage paid while you recover.
Chronic Illness Rider
Triggered when you can no longer perform 2 of 6 Activities of Daily Living (bathing, dressing, eating, etc.) for 90+ days.
Ongoing advances to fund in-home care or assisted living, without draining your savings.
I Didn't GoFundMe My Recovery. I Used My Own Policy. Twice.
"In 2009, and again in 2023, I fought cancer. Both times, I advanced money from my own life insurance policy to keep my family afloat while I recovered. I didn't read about living benefits in a brochure. I survived on them. Now I make sure other families have the exact same safety net."
Jeff Harris, Marine Sergeant · Two-Time Cancer Survivor · Founder
He is not selling you something he has never used.
He used it in 2009
Diagnosed with tonsil cancer at 38, linked to contaminated water at Camp Lejeune. He accessed $15,000 from his own life insurance while he was still alive, through the living benefits rider.
He used it again in 2023
The cancer came back. He filed on the same policy a second time. Not a GoFundMe, not a second mortgage, just the coverage working the way it was designed to.
Marine Sergeant, seven years
He served seven years before he ever sold a policy. The plain-spoken approach on the phone is not a sales technique, it is just how he talks.
More than 200 families
He has worked with over 200 families on this coverage. He will tell you when a policy is not right for you, which is the part most people do not expect.
Does your current policy actually protect you while you're alive?
Answer 5 questions to see exactly where your family's coverage falls short. No SSN. No policy documents. No account digging.
At the end, you'll see your gaps, and if it makes sense, book 15 minutes with Jeff to walk through them.
Questions
Do I have to cancel my current policy?+–
Often no. Sometimes living benefits can be added, or you're better served by a different policy. Jeff will tell you honestly which applies to you.
Is this a real thing or a gimmick?+–
It's a real, contractual rider category: terminal, critical and chronic illness benefits advanced from your death benefit. Jeff used them himself, twice.
What does the quiz actually check?+–
Whether your existing coverage protects you while you're alive, and where the gaps are. It's an assessment, not a quote. No sensitive information required.
Does taking benefits early reduce what my family gets later?+–
Yes. Advances come out of the death benefit. That trade-off is exactly what Jeff walks you through so you go in with eyes open.
How much does the call cost?+–
Nothing. 15 minutes, straight answers, no obligation.
Book your 15 minutes
No sales script. Jeff looks at your actual situation and tells you the smartest move.
Book the 15-Minute Call →Or call (847) 401-5626 directly.