At Alliance Group Gardner Division, 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, and Alliance Group Gardner Division has been leading the charge since 1998.

What are Living Benefits and how do they work?

At Alliance Group, Living Benefits are included on all policies…at NO additional Cost! We like to call them “Life insurance you don’t have to die to use”! Accelerated Benefits Riders are optional, no-additional cost riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury.

Since the benefit is unrestricted, once you qualify, you can use the benefit for any expense.

Expenses might include, but are not limited to: – Household expenses – Adult Day Care – Home modifications – Regular bills – Nursing home care – Quality of life expenditures…WHATEVER!

Most people know life insurance can help provide financial security and continuity during one of life’s most difficult times: the death of a loved one.

What few people know is that life insurance can also help during another one of life’s most difficult times: a chronic, critical or terminal illness.  This help comes in the form of optional riders called Accelerated Death Benefit Riders, also generically known as Living Benefits, which can be added at no additional cost.

See what we mean below...