We have grown into a trusted insurance provider, earning the confidence of countless individuals and businesses nationwide.
Brilliant Insurance Solutions is a trusted provider of all types of insurance offered insurance solutions, dedicated to safeguarding our clients’ peace of mind and financial security. With a commitment to excellence and a customer-centric approach, we strive to offer comprehensive coverage and exceptional service.
Life insurance with living benefits goes beyond traditional coverage, offering financial protection not only for your loved ones after you’re gone but also for you during your lifetime. These benefits allow you to access a portion of your policy in the event of a critical, chronic, or terminal illness, providing much-needed financial support when you need it most. Whether it’s covering medical expenses, supplementing lost income, or funding care, living benefits give you peace of mind and flexibility during life’s unexpected challenges. It’s more than just life insurance—it’s a safety net for the moments that matter most.
Chronic Illness: If you become unable to perform two of six “activities of daily living” (ADLs) or become cognitively impaired, you will be eligible to receive payment of the death benefit on a discounted basis (after the rider has been in force for 30 days).
If a doctor certifies you are unable to perform two of the six ADLs (listed below) without assistance for a period of 90 days, you will become eligible for the benefit.
Activities of Daily Living include:
Critical Illness: If you are diagnosed with a qualifying condition, you will be eligible to receive payment of the death benefit on a discounted basis (after the rider has been in force for 30 days). The benefit paid is based on the impact on your life expectancy. While there is no annual limit, there is a lifetime limit of benefits you can receive from all ABRs.
Qualifying illnesses include:
Critical Injury:If you are diagnosed with a qualifying condition as a result of an injury, you will be eligible to receive payment of the death benefit on a discounted basis. The benefit paid is based on the impact the condition has had on your life expectancy. While there is no annual limit, there is a lifetime limit of benefits you can receive from all ABRs.
Covered critical injuries:
Terminal Illness: Terminal Illness rider allows for the payment of the death benefit, on a discounted basis, if the insured has an illness or chronic condition that can reasonably be expected to result in death in 24 months or less. There is no waiting period to be eligible for a payment, which will be made to you as a lump sum
Our mission is to provide accessible, reliable, and tailored insurance solutions that safeguard what matters most to our clients. We are dedicated to empowering individuals, families, and businesses to confidently navigate life’s uncertainties.
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