Chronic Illness

70% of Americans will need Long Term Care sometime in their life.  This policy provides thousands of dollars to help pay for home health care, assisted living, or nursing home services

If you experience a terminal illness you can access up to 90% of the death benefit. The Insurance Company sends the money to the insured to do with it as they wish.

Owner William Curtis Drake is licensed in 41 states and refers licensed life insurance agents in all states except  Alaska, Connecticut, Delaware,DC, Hawaii, Massachusetts, New Hampshire, New York, Rhode Island, and Wyoming.

The following agent license numbers are provided for
William C. Drake as required by state law:

TX agent # 738897, MD agent # NPI192988, LA agent # 223065,  MN agent # IN-436218 and CA agent # OE50224

Private Policy

Life Insurance with Benefits does not share personal information with other people or non affiliated companies except to provide only the products you've requested.






         Critical Illness

Did you know we are 3 times more likely to suffer a critical illness than

die prematurely?
This life insurance policy  pays for a heart attack, stroke, cancer, MS, ALS blindness, transplants and other critical illnesses 

Terminal Illness

So what's the catch?

The truth is, there is no catch. Some insurance companies offer policies with living benefits included, 
and some don't. A life insurance policy that only pays a death benefit is a good decision,
but a policy that will pay if we die or pay us up to 90% of the death benefit if we suffer a heart attack,
stroke, cancer, transplant, kidney failure, ALS, MS, blindness, or paralysis is much better. 

Both policies will pay the death benefit, but only a policy with benefits will pay us while we're living.  
Why buy a $500,000 policy that pays $0 for a major accident or illness when you can receive

up to $450,000 with a life insurance policy with benefits?

Call 1-830-598-7538 to receive your personal quote today 

Or complete the form below to receive an instant quote

Do we need Life Insurance with Benefits?

Let's look at the statistics

Stroke: Every 40 seconds someone in the US has a stroke
Cancer: Every 30 seconds someone in the US is diagnosed with cancer
Heart Attack: Every 44 seconds someone in the US suffers a heart attack
Long Term Care: More than 70% of Americans will need LTC services sometime

Is life insurance with benefits a good value?

A 45 year old man can buy a $500,000 10 year term policy for $37.41 a month with living benefits,
Or pay $206.13 a month for 3 separate policies to provide comparable coverage.

           1. $37.41       a month for a Traditional term policy
      2. $97.71       
a month for a Critical Illness policy 
         3. $68.44       a month for a Long Term Care policy

= $203.56 for 3 policies providing comperable coverage, 
$37.41 for one policy that will pay a benefit for whatever happens.

Will your life insurance policy pay you anything while you're living?
Traditional life insurance policies only pay a death benefit and do nothing for us if we have
a critical,

chronic, or terminal illness. Term and universal life insurance policies with living benefits will pay

up to 90% of the death benefit while we're living to help us out financially. Whenever we suffer a major

illness, our income goes down and our expenses go up. Over 60% of bankruptcies are caused do to

medical expenses and lost income. Most of these bankruptcies would not be

necessary if they had bought a life insurance policy with benefits included.