We specialize in Life Insurance and Annuities. Our life insurance includes Accelerated Benefit Rides for which we like to call Living Benefits. These living benefits include Terminal Illness, Chronic Illness, Critical Illness and Critical Injury that allows you to put in a claim if any of these unfortunate events happen to you. The claim is determined by your life expectancy and your diagnoses. The claim after review pays you a portion of your face amount you purchased with your life insurance.