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Quality of Life...Insurance®
Enhance and help protect your quality of life
Quality of Life. . .Insurance is a suite of life insurance products that can help enhance and protect the quality of life you’re living today and the life you dream of for tomorrow. Quality of Life. . .Insurance (QoL®) provides a valuable death benefit to the people who depend on you. Our QoL products also offer options that can potentially provide benefits to help with medical expenses, retirement or other life events. Since you don’t have to die to receive these benefits, they’re called "living benefits" Our Quality of Life. . .Insurance products include living benefits at no additional charge. These benefits cover qualifying chronic, critical, and terminal illnesses or conditions.
Insurance that's available when you need it most
Chronic Illness
Quality of Life. . .Insurance can help you financially respond to the effects of qualifying chronic illnesses that substantially reduce your ability to perform simple tasks.
Critical Illness
Quality of Life. . .Insurance can help you reduce the financial effects of invasive cancer, major heart attack, stroke and certain other qualifying critical illnesses or conditions.
Terminal Illness
Quality of Life. . .Insurance can help you financially make the most of your remaining journey following a terminal illness diagnosis.
Chris’ story
Options for today and tomorrow
Getting started?
Raising a family?
Empty nesting?
Enjoying retirement?
Reliable and flexible
Quality of Life. . . Insurance options include a foundation of guarantees1 with the flexibility to adapt to changing life stages.
Long-term financial protection
The QoL suite of insurance products includes the potential to achieve multiple financial objectives within a single policy.
Tailored benefits
You have the ability to customize a policy for your unique needs and
refine it as those needs change at various life stages.
Value and versatility
You can choose affordable life insurance coverage that also offers
several no-cost living benefits built right into the policy.
Important Consumer Disclosures Regarding Accelerated Benefit Riders
FAQs
Quality of Life. . .Insurance is a suite of life insurance products. In addition to needed life insurance protection, it also offers no-cost living benefits through QoL® Accelerated Benefit Riders. If you suffer a qualifying event, the QoL Accelerated Benefit Riders can provide an advance of your policy’s death benefit to cover the costs of care, recoup lost income or any other purpose.
Quality of Life. . .Insurance also offers:
• The flexibility to choose your coverage amount and duration, even up to your full lifetime.
• A supplemental retirement income rider that can help protect you against outliving your savings.*
• The option to accumulate cash value within the policy** that you can access, typically on a tax-preferred basis.
• The option to add additional discounted term coverage for yourself, your spouse or your children.2
* Feature available on QoL Guarantee Plus
** Feature available on QoL Guarantee Plus, QoL Index Plus II and QoL Performer Plus
Some life insurance policies offer options that provide benefits to help with medical expenses, retirement or other life events. Since you don’t have to die to receive these benefits, they’re called "living benefits." Quality of Life. . .Insurance products include living benefits at no additional charge. These benefits can help make an impact on your lifelong security and peace of mind.
1 Guarantees are subject to the paying ability of the issuing
insurance company.
2 Subject to terms and conditions.
Life isn’t a matter of milestones, but of moments.
— Rose Kennedy