What’s inside
Six chapters, written in plain English
No jargon and no sales pitch. Just the ideas you need to understand your options and ask better questions.
Living benefits explained
What accelerated death benefit riders are, and how they may help pay for care, treatment or lost income.
Chronic, critical and terminal illness
How each type of qualifying event is defined, and what to look for in the policy wording.
How cash value grows
Whole life and indexed universal life side by side, including what is and isn’t guaranteed.
Tax-advantaged retirement income
How policy loans and withdrawals work, the rules that keep them tax-advantaged and the risks to avoid.
Term vs. permanent coverage
A quick comparison of cost, length of coverage, flexibility and living benefit options.
Questions to ask before you buy
A practical checklist for comparing policies, riders and illustrations with confidence.
Who it’s for
Written for people planning for what’s next
Whether you’re protecting a young family or getting closer to retirement, the guide helps you see how one policy can play more than one role.
- Parents and families who want protection that may also help during a serious illness
- Pre-retirees looking for ways to diversify how their retirement income is taxed
- Self-employed people and business owners without a traditional retirement plan at work
- Anyone with an existing policy who wants to know if it includes living benefits
Learn first. Decide when you’re ready.
There’s no obligation. Read the guide at your own pace, and reach out only if you’d like help applying it to your situation.
01
Request the guide
Enter your first name and email above, and we’ll send your free copy of the guide.
02
Read at your pace
Use the checklist to note the questions that matter most to you and your family.
03
Talk it through
Book a free 30-minute consultation with Isaac Bonney to review your options. No pressure, ever.
Free guide
Get your free copy
Most people buy life insurance for one reason: to protect their family if they pass away. This guide shows how the right policy may also help while you’re living, and how it can fit into your retirement plan.
- Living benefits, explained. How you may access part of your death benefit during a qualifying illness.
- Cash value basics. How permanent policies can build value over time.
- Tax-advantaged income. How policy loans and withdrawals may supplement retirement, and the trade-offs.
- Questions to ask. A checklist to use before you buy or replace a policy.
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Guide FAQ
Questions about the guide
Have a question that isn’t answered here? Call us at 312-416-8472 or book a free consultation.
Yes. The guide is free, with no cost and no obligation. We’ll email it to you after you request it.
No. We’ll only send the guide and occasional educational emails, which you can unsubscribe from at any time. If you’d like to talk, you can book a consultation whenever you’re ready.
Living benefits are riders that may let you access part of your life insurance death benefit early if you’re diagnosed with a qualifying chronic, critical or terminal illness. Using them reduces the death benefit, and availability and terms vary by policy and state.
It can be tax-advantaged, but it depends on how the policy is designed and managed. Policy loans and withdrawals up to the amount you’ve paid in are generally not taxed if the policy stays in force and isn’t a modified endowment contract. Loans reduce the cash value and death benefit, and a policy that lapses with a loan can create a tax bill. Please talk with a tax professional about your situation.
No. The guide is educational and doesn’t recommend any specific company or policy. If you’d like personalized options, we compare policies from A-rated financial companies during a free consultation.
Yes. The checklist can help you review whether your current policy includes living benefits and how its cash value works, so you know what to ask your insurance company or us.
