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Living Benefits 

The evolution of Life Insurance

At Merritt Financial Group, Living Benefits are included on all policies…at NO additional Cost.


“Life insurance you don’t have to die to use!"


Most people purchase life insurance to provide a legacy of financial security to their loved ones at the time of their death. Doesn’t it make sense for the benefits to extend and be available for you if you need them while you’re still living? We at Merritt Financial Group have revolutionized the way you can purchase Life Insurance online, Discuss. Apply. Approved all online. Book your meeting today to start the discussion!

Critical Illness

Your policy will pay a lump sum cash benefit should you suffer from a triggering illness such as cancer, heart attack, stroke, Lou Gehrig’s disease (ALS), blindness due to diabetes, kidney failure or major organ transplant, and more.

Chronic Illness

Your policy will pay a monthly cash benefit should you become ill and unable to perform two daily living activities, such as bathing, dressing, or eating due to cognitive impairment.  This benefit can be paid 2% monthly or paid 24% annually.  

*Percentages are based on insureds death benefit amount 

Terminal Illness

Pays up to 90%* cash benefit if you are diagnosed with a Terminal illness resulting in life expectancy of fewer than 12 months (24 months in some states). This can be used for experimental medicine, preparation for final expenses or any other purpose you feel necessary.

*Percentages are based on insureds death benefit amount 

Here are just a few personal stories on how Living Benefits have helped people just like you.

Life Insurance evolved...

Our policies come infused with enhancements that allow you to accelerate your policy’s benefits to get much-needed money in your hands if you are to suffer a terminal, chronic, or critical illness – such as heart attack, stroke, or cancer diagnosis – or in case of a critical injury.  It’s a game-changing feature that is revolutionizing the face of the life insurance industry.

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