Term Life Insurance With Living Benefits (3 Best Companies)
Posted in Life Insurance last updated on February 23, 2025Comparison Chart of All Three Companies
It can be a lot to take in when you’re comparing different policies, and everything is named differently. To help clarify, we built a chart. If you have any questions, please give one of our agents at all at 858-703-6178.
| | American National | Ameritas | Mutual of Omaha |
|---|---|---|---|
| No. of Living Benefits |
16 |
18 |
9 |
| Maximum Benefits |
100% at $1 Million |
90% at $1.5 Million |
80% at $1 Million |
| Chronic Illness Definition |
24 months or less |
12 months or less |
12 months or less |
| Terminal Illness Definition |
2 of 6 ADLs |
2 of 6 ADLs |
2 of 6 ADLs |
| Critical Illness Definition |
15 Health Conditions |
17 Health Conditions |
8 Health Conditions |
All three companies provide great life insurance policies. The living benefits on each one add extra bonuses for people looking to make the most out of their term life insurance. Some types of policies you can buy separately, like critical illness. Others, like terminal illness insurance, but be added as a rider.
