Mark and Juanita Flechsing were high-school sweethearts who had the good fortune of turning that young love into a strong marriage. Mark worked hard on Alaska’s North Slope oil fields, gone for weeks at a time, while Juanita worked full-time back home in Wasilla. As they looked forward to raising a family, they knew they wanted protection for the “what ifs” in life, and that’s what lead them to consider life insurance. Like many couples starting out, Juanita admits they didn’t have a lot of money, but they sat down with insurance professional Robert Barrett, Jr., and he helped them get life insurance policies that fit their budget.

Robert also suggested they get a waiver of premium rider on their policies. This would ensure if they became disabled and unable to work that they wouldn’t have to pay the premiums on their policies. The couple agreed, and it’s a good thing they did. When Mark reached his late 40s, what his doctors initially thought was reoccurring pneumonia was in fact a serious type of lung disease. Doctors said he would need a double lung transplant.

That’s when Robert reminded the couple of the living benefits of their life insurance. Because Mark was ill and unable to work, the waiver of premium kicked in, and they no longer had to pay the premiums on his policy. Additionally, because of Mark’s grave prognosis, they were able to tap into the policy’s living needs benefit. It allowed the family to continue on financially.

“We were able to use money from his life insurance policy while he was alive,” says Juanita. “It allowed me to pay the mortgage and bills we were falling behind on, as well as the mounting medical expenses.”

Unfortunately, despite the transplant, Mark died three-and-a-half years later. The remaining death benefit from the policy continued to help Juanita as she navigated her life and finances without her husband. “The life insurance helped us while Mark was alive, and continued to help me after he was gone. I can’t imagine what my life would be like now without it,” she says.

Protect the ones you love for the unforeseeable future with life insurance. Contact QQIS now to get a quote.

The Living Benefits of Life Insurance – Video Transcription

Juanita Flechsing: Mark was a stand-up guy and he was a great dad. We wanted to protect our family financially so we got life insurance. It was something I forgot about until Mark got so sick and needed to have a double lung transplant.

Because Mark’s prognosis was so bad we were able to sue the money from his life insurance policy while he was still alive.

I didn’t know that life insurance had living benefits to help pay our mortgage and the mounting medical costs.

Robert Barrett, Jr. (Insurance Professional): When Mark purchased his life insurance policy, it had two important features. One being the waiver of premium that will pay the premium if you become totally disabled. The other being the living needs benefit rider. Because of Mark’s prognosis we were able to tap into the life insurance policy and those proceeds were able to help his family carry on.

Juanita: The lung transplant gave us three-and-a-half years. We got to make memories.

The life insurance helped us while Mark was alive and it continues to help us today. I can’t imagine what my life would be like without it.

The post The Living Benefits of Life Insurance appeared first on Quality Quote Insurance Solutions.

Steven and Ngoc Anh Tang left Vietnam to pursue the American dream: They wanted their children, Jimmy and Nancy, to have a better life. Their insurance professional Annie Vu also helped them secure their children’s financial future in case the worst were to happen. The couple purchased permanent life insurance for both Steven, who worked for an hourly wage, and for Ngoc Anh, who was mainly a stay-at-home mom.

It was on a trip with her mom and sister that Ngoc Anh was involved in a car accident. Her life-threatening injuries meant she was in and out of the hospital, but because her policy had a disability waiver of premium, she no longer had to pay for the policy. However, Ngoc Anh never fully recovered, and later died of a stroke. Again, her life insurance policy came through. Annie had advised the Tangs to get an accidental death rider, and because Ngoc Anh’s heart condition was a result of the accident, the family was entitled to double the original amount of the policy.

Now that he was a single father, Annie encouraged Steven to get additional life insurance to protect his children, which he did. Unfortunately, tragedy struck just three years after his wife had passed away. Steven learned he had liver cancer and died soon after his diagnosis. Nancy, a senior in high school, and Jimmy, who had graduated from college, were now on their own.

Thankfully, Annie and the money from the life insurance were there to shepherd them on their way. Nancy is now attending college, and the siblings have bought a house near campus so Jimmy can help his sister as they start a new chapter in their lives. They credit life insurance for that opportunity. “It’s vital for parents to have life insurance,” says Jimmy. “It means if you do die, your loved ones can go on without worrying about money while they get back on their feet.”

Contact QQIS today to protect your children from the unpredictable future with our Life Insurance products.

Securing the American Dream – Video Transcription

Nancy Tang (Daughter): My family left Vietnam for a better life for themselves and for their children. I think they bought life insurance because they thought they were at that age where anything could happen.

Annie Vu (Insurance Professional): The policy I sold to them had two riders, waiver of premium and accidental death.

Jimmy Tang (Son): My mom’s car accident, it was a serious one. They said there was little chance that she might make it.

Nancy: But somehow she was able to pull through with it.

Annie: After the accident she felt ill and couldn’t work or anything.

Phung Ngo (Insurance Professional): They also had to waiver a premium rider meaning she didn’t have to make payments on her policy anymore. The company made the monthly payments for her.

Annie: Ngoc Anh passed away about two years after she was involved in an accident, but the company still paid the accidental death benefits rider anyway.

Phung: They determined the cause of death was due to the injuries sustained from the accident.

Jimmy: After that my dad actually sat me down and said, “Look we had life insurance for your mom and we’re gonna to use that to basically get back on our feet.”

Phung: Annie and Steven decided that he needed more life insurance because now that he was a single father and if something happens to him then the kids would need an additional supplement money. So he purchased another policy for himself.

Nancy: When my dad got sick it was near the beginning of my senior year.

Jimmy: He would said his stomach hurt too much to the point where it brought him to tears. That’s when they diagnosed him with stage-4 liver cancer.

Nancy: It hurt a lot when he left. A couple night before, he saw me like stressing out. He’s like, “Well, don’t worry about me I’ll be fine.” Well next thing you know he’s not fine.

Jimmy: And then he was gone. Ted and Annie counseled us what to do with our life insurance. Life insurance policy has allowed me to basically provide for my sister so she can go to college and as well as me being able to get back on my feet and be strong for my sister.