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Affordable Life Insurance for Equestrians Made Easy

Affordable Life Insurance with Living Benefits - Tailor Made for Equestians!

You’re working hard to build your life. Life insurance is a unique financial tool that can be structured to provide protection for equestrian sport risk, and it can be customized to fit very specific needs.

In its simplest form, life insurance is a promise between an insurance company and you, the policy owner. If you pay a certain amount of money (premium) to the insurance company, the insurance company will pay a certain amount of money (death benefit) to the person (beneficiary) you tell us to when the person whose life is being insured dies. And, it can include “Living Benefits” that can pay you during your lifetime.

There are different types of life insurance:

  • Term insurance only provides a death benefit for a limited period of time.
  • Permanent insurance can provide a death benefit and the potential to build policy cash value that you can access during your lifetime using policy loans and withdrawals.

Term life insurance may make sense for those who have budget limitations, large protection needs or temporary need.

Term Offers:

  • Guaranteed death benefit for a fixed period.
  • Fixed premium.
  • No cash value.
  • Lower cost than permanent.
  • Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of the insured.

Living Benefits:

  • Critical Injury (Coma, Brain Injury, Paralysis, Burns)
  • Critical Illness (Cancer, Heart Attack, Stroke, etc.)
  • Chronic illness (assistance with daily living, bathing, eating, dressing, transferring, etc.)
  • Terminal illness (illness where death is expected within 24 months. Term can vary by state.)

Contact us to find out how life insurance can provide you with security, protection and opportunities that can help you make what may be today’s dreams, tomorrow’s reality.

 

 

 

Life Insurance Living Benefits: What Events Qualify?

Critical Injury

Critical Injury


Our critical injury coverage includes but is not limited to:

• Coma
• Paralysis
• Severe Burns
• Traumatic Brain Injury

Life Insurance Qualifying Events: Terminal Illness, Chronic Illness, Critical Illness

Terminal Illness

Terminal Illness

Generally, if you have been diagnosed with a terminal illness that will result in death within 24 months (12 months in some states) of certi cation of the illness by a physician.

Chronic Illness

Chronic Illness

A doctor has certifed, within the past 12 months, that you are unable to perform two
out of six “activities of daily living” for a period of at least 90 consecutive days without assistance, or that you are generally cognitively impaired.

Activities of Daily Living:

  • Bathing
  • Continence
  • Dressing
  • Eating
  • Toileting
  • Transferring


Critical Illness

Critical Illness

  • ALS (Lou Gehrig's disease)
  • Aorta Graft Surgery
  • Aplastic Anemia
  • Blindness
  • Cancer
  • End Stage Renal Failure
  • Heart Attack
  • Heart Valve Replacement
  • Major Organ Transplant
  • Motor Neuron Disease
  • Stroke
  • Sudden Cardiac Arrest

Living Benefits: What Can Insurance Money Be Used For?

Living Benefits

Living benefits can be used for, but are not limited to:


  • Household expenses
  • Home modifications
  • Nursing home care
  • Adult day care
  • Regular bills
  • Quality of life expenses
  • Lifelong dream vacation

Financial Strategies & Planning

Nearly every study indicates that a large percentage of people, including high earners, do not have sufficient money to maintain their lifestyle for the course of their approximately 22 year retirement.   Plus, a result of being successful means needing to save even more for retirement over and above what is already in Social Security and qualified plans.    Our financial strategies is one of the very few plans that allows participants to use additional money to give them more benefits than they can save for by themselves.

Learn more about Financial Planning!

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

g.wight@athletesriskmanagement.com   |  561-827-6287