Life Insurance That Works
While You're Still Living
What if you could access your life insurance benefits tax-free during a critical, chronic, or terminal illness? With the Care4Life 2.0 rider, you can—at no extra cost.
Everything is complimentary. No obligation.
Free · 60 seconds · No obligation
What Happens When Life Doesn't Go as Planned?
Medical Bills Pile Up
The average cancer treatment costs $150,000+. Most health insurance doesn't cover everything—and the bills don't stop when you can't work.
Income Disappears
A serious illness can take you out of work for months or years. Most families are one diagnosis away from financial crisis.
Traditional Life Insurance Fails You
Standard life insurance only pays out when you die. But what about when you're alive and need the money most?
How the Care4Life 2.0 Rider Works
Access a portion of your death benefit tax-free while you're still alive—for three types of qualifying conditions.
Critical Illness
Up to 25%
of death benefit (max $250,000)
Cancer, heart attack, stroke, major organ transplant, end-stage renal failure, ALS, and more.
Chronic Illness
Up to 50%
of death benefit (max $1,000,000)
Unable to perform 2 of 6 activities of daily living (bathing, dressing, eating, toileting, transferring, continence).
Terminal Illness
Up to 75%
of death benefit (max $1,000,000)
Life expectancy of 12 months or less, certified by a licensed physician.
* There is no charge for the Care4Life 2.0 rider. A one-time administrative fee may apply if benefits are activated.
Traditional Life Insurance vs. Living Benefits
See why more families are choosing policies with Living Benefits built in.
Traditional Life Insurance…
Only Pays When You Die
Your family benefits, but you never do.
No Help During Illness
If you get cancer or have a stroke, your policy does nothing for you.
No Cash Value Growth
Term insurance expires worthless. No savings component.
Taxable Retirement Income
401(k) and IRA withdrawals are taxed as ordinary income.
Separate Long-Term Care Policy
Need to buy additional coverage for chronic illness care.
IUL with Living Benefits…
Access Benefits While Alive
Use your death benefit tax-free during critical, chronic, or terminal illness.
Tax-Free Income in Retirement
Build cash value and take tax-free policy loans for retirement income.
No Charge for the Rider
Care4Life 2.0 is included at no additional cost with qualifying policies.
Downside Protection
Your cash value grows with the market but never loses to market downturns.
Built-In Long-Term Care Alternative
Chronic illness benefit covers care needs without a separate LTC policy.
Compare Your Options in a Free Consultation
See how Living Benefits can protect you and your family from the unexpected.
Why Choose an IUL?
Discover the advantages of indexed universal life insurance for retirement planning.
Tax-Free Growth
Your money grows without taxes and can be accessed tax-free in retirement.
Downside Protection
Your principal is protected from market losses. Zero market risk.
Living Benefits
Access up to $1M tax-free if diagnosed with critical, chronic, or terminal illness.
Penalty-Free Access
Access your money when you need it—no 10% early withdrawal penalties.
Death Benefit Included
Leave a tax-free legacy to your loved ones.
No Contribution Limits
Unlike 401(k) and IRA, there are no IRS contribution limits.
Use Your Benefits for Anything You Need
Unlike health insurance that restricts how benefits are used, Living Benefits pay you directly. There are no restrictions on how you spend the money.
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Medical Bills & Treatment
Cover co-pays, deductibles, experimental treatments, and anything insurance won't pay.
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Replace Lost Income
Keep paying your mortgage, car payments, and household bills while you recover.
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Home Modifications & Care
Wheelchair ramps, in-home care, assisted living—whatever you need.
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Quality of Life
Travel, spend time with family, or simply enjoy life on your terms.
The Numbers Don't Lie
Medical expenses are the #1 cause of bankruptcy in America. Here's why Living Benefits matter:
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66% of bankruptcies
are tied to medical issues—bills or lost work time.
-
1 in 3 Americans
will be diagnosed with cancer in their lifetime.
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70% of people over 65
will need some form of long-term care.
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$108,000/year
is the average cost of a private nursing home room.
Don't Wait for a Diagnosis to Plan Ahead
The best time to get Living Benefits is before you need them.
Is Living Benefits Insurance Right for You?
Living Benefits through an IUL policy give you a safety net that goes beyond traditional life insurance. You get lifelong coverage, tax-free retirement income, and the ability to access funds if life throws you a curveball.
This is ideal for people who want comprehensive protection—not just for their family after they're gone, but for themselves while they're still here.
Not sure if you qualify? Complete the form below to find out. No medical exam required for initial consultation.
Meet Sam Talbert
Sam Talbert helps families across Arkansas reduce risk and grow their retirement savings through wealth planning, life insurance, annuities, and long-term care coverage.
Based in Little Rock, Arkansas, Sam serves clients through Safe Money Advisors, PLLC and is a registered investment advisor representative with Capital Market IQ, LLC. A former CEO of Allied Insurance and Financial Services and frequent AARP speaker, Sam brings decades of experience helping people near and in retirement protect what matters most.
20++
Years Experience
AR
Arkansas Licensed
"Helping you protect what you've worked your whole life to build."
Schedule Your Free Call with SamWhat Our Clients Say
Real stories from real clients who transformed their retirement planning.
Frequently Asked Questions
Get answers to common questions about Living Benefits and IUL insurance.
Living Benefits allow you to access a portion of your life insurance death benefit while you're still alive if you're diagnosed with a qualifying critical, chronic, or terminal illness. The money is paid directly to you, tax-free, and can be used for anything—medical bills, lost income, or daily expenses.
Care4Life 2.0 is an accelerated death benefit rider offered by Ameritas that provides access to your death benefit for three types of qualifying conditions: critical illness (up to 25%, max $250K), chronic illness (up to 50%, max $1M), and terminal illness (up to 75%, max $1M). There is no charge for this rider—it's included with qualifying policies.
Yes. Traditional long-term care insurance is a separate, use-it-or-lose-it policy. Living Benefits through an IUL are built into your life insurance—so if you never need them, your full death benefit passes to your beneficiaries. You get protection either way.
No. We are licensed insurance professionals, not financial advisors or tax attorneys. We recommend consulting with your own financial and tax professionals before making any decisions.
Your consultation and Living Benefits analysis are completely complimentary. No obligation, no pressure.
Schedule Your Free Living Benefits Consultation
Find out how Living Benefits can protect you and your family. No obligation.
What happens on your call with Sam
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1
15 minutes on your goals
What you're saving for, your timeline, and what you have in place today. No pressure, no prep needed.
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2
A live, carrier-quoted illustration
From Ameritas or National Life, emailed during the call — your Living Benefits Eligibility Review: a review of your qualifying conditions, potential benefit amounts, and how the Care4Life 2.0 rider can be layered onto a policy that fits your situation.
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3
A straight answer
If a Living Benefits policy isn't the right fit for you, Sam will tell you. No pitch. No hard close.
Sam personally takes 10 consultations per week. Thursday slots usually fill by Tuesday.
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