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Kipling Godwin & Associates

Serving the Self-employed, Small Business Owners, Nonprofits, Churches, Individuals & Families in North Carolina, South Carolina & Virginia

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Life Insurance for Life!
Living Benefits are the cornerstone of the edge that we provide our clients.


Most people purchase life insurance to provide a legacy of financial security at the time of their death.  But doesn’t it make sense for the benefits to extend and be available for the difficult financial times they have to face if a chronic, critical or terminal illness precedes death? The industry refers to the benefit as an “Accelerated Death Benefit Rider.”  We call it "Living Benefits."


Living Benefits is one of the reasons why we are so passionate about what we do every day.


Here is an all too common scenario:  the insured purchases a term insurance policy with living benefits from us.  Months or years later, a chronic, critical or terminal illness occurs, and money is needed for special care or expensive alternative treatment not covered by their health insurance; or to replace the income of the insured or the family member who volunteers to stay home as caregiver; or perhaps to just fulfill the insured’s living wish before the end of life.


In real life, families want to provide for the needs of the grandparent, parent, or child who became ill now, and not wait for the legacy of an insurance death benefit. Combined with the ageless tax advantages inherent in a life insurance contract, if this living feature was better known more people would buy life insurance for the “living benefits” than just the death benefit.


Other insurance carriers who offer the benefits usually charge an additional premium for them.  But, our policies underwritten by Western Reserve Life Assurance Co. includes the living benefits rider at no additional premium cost to the insured and with no separate underwriting requirements.




That is what distinguishes the Alliance Advantage Term Life insurance plan from all others. 

Here's How Living Benefits Work . . .

Terminal Illness

Pays a benefit if you are diagnosed with a terminal illness resulting in life expectancy of less than 12 months (24 months in some states).  This can be used for experimental medicine, prepare for final expenses or any other purpose you feel necessary.


Chronic Illness

Pays a monthly benefit should you become diagnosed as chronically ill and unable to perform two daily activities such as bathing, dressing, eating, or due to cognitive impairment.  This benefit is paid monthly (up to 2% of your death benefit).  Policy must be in-force for 2 years.


Critical Illness

Pays a lump sum benefit should you suffer from a triggering illness such as cancer, heart attack, stroke, Lou Gehrig’s disease (ALS), kidney failure or major organ transplant.

Click on the video below to see why our clients love this Life Insurance!

Use the "Request-a-Quote" Form below to request a free, no-obligation quote within 24 hours.  We are licensed in North Carolina, South Carolina and Virginia!


Request-a-Quote Form
(please include the names and ages of everyone to be insured)


. Plans and benefits available vary by state.  Exclusions and limitations apply.
A licensed insurance agent will explain benefits and limitations to you.