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Bert Livingston

904-296-3300 ext. 5019

Life Insurance Designs

I Offer Life Insurance Strategies

Providing adequate liquidity subsequent to the death of an individual is a critical component of the financial planning process. It is important to a surviving family to know that someone felt strongly enough during life to have established a proper life insurance liquidity plan that works.

My process includes taking an independent view of various insurance companies, contractual provisions and premium structures in an effort to make sure that each client is well informed and properly protected.

I prefer to recommend modern life insurance contracts which include LIVING BENEFITS that provide liquidity in the event of a CRITICAL INJURY, CHRONIC ILLNESS, or CRITICAL ILLNESS, such as cancer or heart attack. A TERMINAL ILLNESS benefit is also available for those who qualify within 24 months of anticipated death.

Living Benefits are provided by no additional premium Accelerated Benefit Riders.  Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance.  Riders are optional and may not be available in all states or on all products.  This is not a solicitation of any specific insurance policy.