Chronic Illness Protection

Life Insurance Designed to Support Your Life, Not Just Your Legacy

At Securityfinancialonline.com® (SFO), we believe life insurance shouldn’t just be about what happens after you’re gone, it should also support you while you’re living. That’s why we proudly offer policies with the Chronic Illness Protection Rider, giving you the ability to access your own benefits tax-free if life takes an unexpected turn.

Think about it: what if you were diagnosed with a chronic illness tomorrow? Would your savings cover medical bills, caregiving, and household expenses—while still letting you live with dignity and freedom? With SFO’s chronic illness protection, you don’t have to wonder. You can prepare today, so you’ll have peace of mind tomorrow.

What Is Chronic Illness Protection?

Traditionally, life insurance pays out only after you pass away. But with Accelerated Access Solution (AAS) Chronic Illness Rider, you can unlock your benefits while you’re still alive if diagnosed with a qualifying condition.

This rider allows you to receive monthly, income tax-free payments when you’re certified as chronically ill by a licensed healthcare practitioner. These payments continue until:

• Your condition improves, or
• You’ve used the full benefit available under your rider.

This means your life insurance isn’t just a safety net for your loved ones, it becomes a lifeline for you, right when you need it most.

Freedom of Choice: Use Your Benefits Your Way

Unlike many long-term care reimbursement policies that restrict how funds can be spent, chronic illness rider gives you total flexibility. You can use your monthly benefits for virtually anything that improves your quality of life, including:

• Adult daycare or assisted living
• In-home caregivers or nursing facilities
• Prescription drugs and treatment-related costs
• Home improvements (like wheelchair ramps or safer bathrooms)
• Everyday expenses such as groceries, gas, or utility bills
• Even cash in the pocket of a friend or family member who takes time off to help care for you

Becoming Eligible

To access your benefits, a licensed healthcare provider must certify you as a “chronically ill person.” This usually means meeting one of the following conditions for at least 90 consecutive days:

1. Inability to Perform Activities of Daily Living (ADLs)

You are unable to independently perform at least two of six ADLs, including:

• Bathing
• Dressing
• Eating
• Toileting
• Continence
• Transferring (getting in/out of bed or a chair)

2. Severe Cognitive Impairment

You require substantial supervision to protect your health and safety due to conditions such as Alzheimer’s or other irreversible dementias. Cognitive impairment is evaluated using standardized tests measuring memory, orientation, reasoning, and judgment.

Once eligibility is certified, your monthly benefits can begin, giving you and your family immediate relief from financial stress.

Why This Protection Matters

Life has a way of throwing curveballs when we least expect it. Imagine being unable to work, pay your mortgage, or cover essential expenses because of a chronic illness. Medical bills don’t wait. Neither do groceries, childcare, or utility payments.

That’s where SFO steps in. Our chronic illness protection ensures you won’t be forced to drain your savings, rely on family, or take on debt just to make ends meet. Instead, you’ll have a dedicated stream of financial support when you need it most.

The Hidden Risk: Disabilities and Illnesses Happen More Than You Think

• Nearly 1 in 5 people will face a long-term disability before age 65 (SSA).
• According to the U.S. Department of Housing and Urban Development, almost half of all foreclosures are caused by disability.
• Many households rely on two incomes to survive—yet when one earner becomes ill, financial stress can hit instantly.

Without proper planning, a chronic illness can derail your lifestyle, your home, and your family’s stability. With SFO, you don’t have to take that risk.

Added Layers of Security

At SFO, we don’t stop at basic protection. The policies we offer are designed with features that help you face challenges confidently:

• Disability Income Protection (DIP): If an illness or injury prevents you from working, DIP provides an alternate income source so you can pay bills and focus on recovery.
• Mortgage Disability Insurance: Covers your monthly mortgage payments if you become disabled—helping you keep your home secure, no matter what life throws at you.
• Living Benefits: Access funds not just for medical needs, but for everyday expenses, home care, or even a well-deserved comfort like a massage during treatment.

It’s not just insurance—it’s a complete financial safety net.

Why Choose SFO for Chronic Illness Protection?

At Securityfinancialonline.com®, we know that financial protection is about more than policies and paperwork. It’s about people, families, and futures. When you work with us, you get:

• Licensed experts who explain complex details in simple, human terms.
• Personalized strategies tailored to your family’s unique needs.
• Flexible options that let you combine chronic illness protection with life insurance, disability income coverage, and mortgage protection.
• A team that actually cares—because we know you’re trusting us with the most important thing: your family’s security.

Ready to Protect Your Future?

Your health, your home, and your peace of mind deserve more than “what ifs.” With Chronic Illness Protection, you’ll have the freedom to focus on what matters most—your recovery and your loved ones—while we take care of the financial side.

Don’t wait until life forces your hand. Get a free quote today and discover how SFO can help you prepare for tomorrow, starting today.