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Protecting What
Matters Most

Whether you're single or have a family, life insurance with living benefits is essential & beneficial because you and your loved ones will have funds either during your lifetime or when you pass away.

Living Benefits

Living benefits essentially allow the insured to access money from the policy’s death benefit during your lifetime due to critical, chronic, or terminal illnesses. These funds can be used to pay for expenses such as medical care, hospice or nursing home care, in-home caretakers and more. There's no restriction on the use of funds. The trade-off is that accessing living benefits reduces the death benefit available to your beneficiaries.

Many policies automatically come with at least one living benefit such as terminal illness, but VC Financial Solutions offer "full complete" living benefits (such as critical, chronic, or terminal illnesses) that are included with life insurance at no additional charge. Our specialty is offering full complete living benefits with term and universal life insurance.

Term Life Insurance

Term life insurance covers you for a specific amount of time and the rates stay the same. After this period, you can renew but generally at a higher rate. The term period usually ranges from 10-30 years. At the end of the policy, you will be quoted a different (usually higher) rate to renew your policy.

Permanent Life Insurance

Permanent Life insurance covers you for your entire lifetime. Premiums stay the same for the life of the policy, while it accrues cash value. The different types of permanent life insurance include whole, universal, and variable life insurance. While VC Financial Solutions does not offer variable life due to higher risk strategy, we want you to know the range of permanent products available.

Accidental Death Plan

The policy only provides Coverage for death due to an accident. You should view accidental death insurance as a supplement to your life insurance policy because it's generally considered as having a very narrow scope of coverage.

Final Expense Insurance

Final expense insurance is life insurance that’s designed to cover the costs of your final disposition as well as any funeral or celebratory services that take place. 

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