Your Business Isn't the Biggest Risk.
A Major Illness Is.
See how the right life insurance can give you access to money while you're still alive if a serious illness interrupts your income — with living benefits built right in, at no extra cost.
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Gerardo Morales · Licensed Insurance Professional · CA Lic. #0B74739See a Real Policy Example
Here's what coverage looks like for a 40-year-old male business owner in good health — for less than the cost of a daily coffee. And what he could access by age 48 if illness strikes.
Male Business Owner, Age 40
Good health · Non-tobacco · 20-Year Term · California
Death Benefit — Protection for Your Family
$500,000 Guaranteed level for the full 20-year term period
Money paid directly to you — no receipts required, no restrictions on use. Here's what that could mean for a trades business owner:
A back injury leads to surgery and a long recovery. You can't work for months, and you can't perform basic daily tasks without help. Your benefit could cover your crew's payroll, your mortgage, equipment loans, and your family's living expenses — while you focus entirely on getting back on your feet.
A cancer diagnosis means months of chemotherapy and time away from the job. With no employer sick pay, your income stops the moment you stop working. Your benefit could replace that lost income, keep the mortgage current, cover treatment costs your insurance doesn't, and give your spouse the option to stay home and support you through recovery.
A heart attack takes you off the job for six months of recovery and cardiac rehab. Every bill keeps coming — truck payment, insurance, business overhead, your family's expenses. Your benefit could cover all of it, give you time to truly recover without rushing back too soon, and protect the business you've spent years building.
A terminal diagnosis changes everything. Rather than waiting until death for your family to receive a benefit, you could access your coverage now — while you're still here. Pay off the house so your family keeps it. Set aside college funds for your kids. Cover final expenses. Spend your remaining time with the people you love, not worrying about what you're leaving behind.
As a trades owner, you are the business.
A serious illness doesn't stop the bills — but this can help.
Unlike employees, you have no employer sick pay or disability benefits. These are the costs that keep coming — and what this coverage can help with:
Your living benefit can be used for any of these — or anything else you need. No receipts. No restrictions. Your money, your choice.
Most Life Insurance Only Pays Later.
This Can Help While You're Alive.
See what makes this different from a standard policy.
3 Types of Events That May Trigger Living Benefits
These built-in riders are included automatically — no additional premium required.
Chronic Illness
Unable to perform at least 2 daily living activities for 90+ days, or requiring supervision due to severe cognitive impairment. Does not need to be permanent.
Critical Illness
Sudden, life-altering events that can wipe out a business owner's income overnight — the exact situations most likely to affect tradespeople in their prime working years.
Terminal Illness
If a physician certifies your illness is expected to result in death within 24 months, you may access your benefit now — for your family, your business, or any other purpose.
Backed by One of the Most Financially Strong Insurers in the U.S.
This coverage is underwritten by a highly rated, established U.S. life insurance company with a long track record of paying claims and meeting its obligations to policyholders.
Financial strength ratings as of 12/31/2024. Ratings are subject to change. Guarantees backed by claims-paying ability of the issuing company.
No Medical Exam Required — In Many Cases
If you're between ages 20–59 and applying for $100,000–$1,000,000 in coverage, you may qualify for simplified underwriting. No lab work. No doctor's office. Apply from your truck, your shop, or your couch.
Find Out If I Qualify →See What This Could Look Like for You
Request a personalized, no-obligation quote and see how affordable this protection may be for your situation.
Step 1 of 2 — takes about 60 seconds
By submitting, you agree to be contacted by a licensed insurance professional. This is not an application for insurance. Benefits are subject to policy terms, rider definitions, elimination periods, waiting periods, and claim approval. Accelerating benefits reduces the death benefit available to beneficiaries and may reduce policy values to zero. Receipt of accelerated benefits may affect eligibility for Medi-Cal or Medicaid. This is not long-term care insurance. For California residents only.