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Winged Foot Financial


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Winged Foot Financial


 
 

Winged Foot Financial

A company represents a “culture.” At Winged Foot Financial, it is the coming together of people around a common set of values, beliefs, and purpose. It’s more than products and services, or features and benefits. It is about sharing a common cause. It is about our customers achieving peace of mind.

 
 
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Family Protection


Family Protection


Living Benefits are kind of our thing. 

Most people purchase life insurance to provide a legacy of financial security to their loved ones at the time of their death. Doesn’t it make sense for the benefits to extend and be available for you if you need them while you’re still living? 

At WFF, our policies come infused with enhancements that allow you to accelerate your policy’s benefits to get much-needed money in your hands if you are to suffer a terminal, chronic, or critical illness – such as heart attack, stroke, or cancer diagnosis – or in case of a critical injury.  It’s a game-changing feature that is revolutionizing the face of the life insurance industry.

Watch the video to learn more about how Living Benefits life insurance works – and then take action to protect yourself and your finances!

LIVING BENEFITS LIFE INSURANCE

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Living Benefits


Living Benefits


 

What are Living Benefits and how do they work?

At Winged Foot Financial, Living Benefits are included on all policies…at NO additional Cost! We like to call them “Life insurance you don’t have to die to use”! Accelerated Benefits Riders are optional, no-additional cost riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury.

Since the benefit is unrestricted, once you qualify, you can use the benefit for any expense.

Expenses might include, but are not limited to: – Household expenses – Adult Day Care – Home modifications – Regular bills – Nursing home care – Quality of life expenditures…WHATEVER!

Most people know life insurance can help provide financial security and continuity during one of life’s most difficult times: the death of a loved one.

What few people know is that life insurance can also help during another one of life’s most difficult times: a chronic, critical or terminal illness.  This help comes in the form of optional riders called Accelerated Death Benefit Riders, also generically known as Living Benefits, which can be added at no additional cost.

 

Do you have the OLD kind, or the NEW kind of life insurance?

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The New Kind of Life Insurance


The New Kind of Life Insurance


Living Benefits Life Insurance

IT'S ABOUT LIFE INSURANCE THAT YOU DON'T HAVE TO DIE TO USE

Our optional Accelerated Benefits Riders provide you with access to your death benefit while you are still alive, to help cover the costs of a qualifying:

• Terminal Illness
• Chronic Illness
• Critical Illness or Critical Injury


TERMINAL ILLNESS

What qualifies?

Generally, if you have been diagnosed with a terminal illness that will result in death within 24 months of certifification of the
illness by a physician.

Receiving your benefit

The benefit payment will be a lump sum. There is no waiting period or annual benefit limit, but there is a lifetime limit on the amount of benefits you can receive across all Accelerated Benefits Riders.

HERE IF YOU NEED IT

You can elect to either:
• Request the full acceleration, on a discounted basis, and use the lump-sum as you wish.
• Choose to leave a portion of the policy’s death benefit intact and receive a partial benefit.
• Choose to leave the entire policy intact for your beneficiary.


CHRONIC ILLNESS

WHAT QUALIFIES?

A doctor has certified, within the past 12 months, that you are unable to perform two out of six “activities of daily living” for a period of at least 90 consecutive days without assistance, or that you are cognitively impaired.

Activities of Daily Living
1. Bathing 2. Continence 3. Dressing
4. Eating 5. Toileting 6. Transferring

RECEIVING YOUR BENEFIT

Generally, the rider needs to be in force for a period of two years. There is an annual limit on the amount of benefits you can receive.
There is also a lifetime limit on the amount of benefits you can receive across all Accelerated Benefits Riders.

HERE IF YOU NEED IT

Note that you do not have to be in a licensed facility to receive payments, and that you can apply for benefits every 12 months.
Benefits can be used for any reason (with 1 state exception), and do not need to be used for medical expenses. If you should need it, and you qualify, after the waiting period you can:
• Accelerate portions of your death benefit every year to receive benefit payments.
• Leave the policy intact for your beneficiary.


CRITICAL INJURY

CRITICAL ILLNESS

WHAT QUALIFIES?

Critical Injury includes:
• Coma
• Paralysis
• Severe Burns
• Traumatic Brain Injury

 

WHAT QUALIFIES?

Critical Illness includes:
• ALS (Lou Gehrig’s disease)
• Aorta Graft Surgery
• Aplastic Anemia
• Blindness
• Cancer
• Cystic Fibrosis
• End Stage Renal Failure
• Heart Attack
• Heart Valve Replacement
• Major Organ Transplant
• Motor Neuron Disease
• Stroke
• Sudden Cardiac Arrest

Receiving your benefit

The discounted benefit you receive for the critical illness or critical injury rider takes into consideration four different categories
dependent on the severity of the illness:

• Minor • Moderate
• Severe • Life Threatening

The highest payout will result from the Life Threatening category. Generally, the rider needs to be in force for 30 days prior to diagnosis in order to accelerate. There is no annual limit, but there is a lifetime limit on the amount of benefits you can receive from all Accelerated Benefits Riders.

HERE IF YOU NEED IT

You can elect to either:
• Request the full acceleration, on a discounted basis, and use the lump-sum as you wish.
• Choose to leave a portion of the policy’s death benefit intact and receive a partial benefit.
• Choose to leave the entire policy intact for your beneficiary.

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Testimonial


Testimonial


Jim Johnston was healthy – he surfed, he golfed, and was active. He had no reason to think he was going to get diagnosed with cancer. When he discovered a lump under his jawline while shaving, his world was changed in an instant. Watch as Jim and his wife Anne relive his unexpected throat cancer diagnosis, and how his Living Benefits life insurance policy ultimately saved them from financial disaster.

Brutally attacked at her place of employment as she pulled into work one Monday morning, Heilyn Hernandez Pages was doused in gasoline and set on fire. The attack left her with severe burns covering the majority of her body. Heilyn’s miraculous road to recovery would prove to be a costly one, requiring multiple graft surgeries and occupational therapy to regain full mobility. She was unable to work and her income dropped to zero.