Living Benefits 

The evolution of Life Insurance

At Flatirons Financial Group, Living Benefits are included on all policies…at NO additional Cost.


“Life insurance you don’t have to die to use!"


These Living Benefits will help you maintain your basic living needs, and any unexpected expenses, such as – Household expenses – Adult Day Care – Home modifications – Regular bills – Nursing home care – Quality of life expenditures…and MUCH MUCH MORE! We at Flatirons Financial Group have revolutionized the way you can purchase Life Insurance online, Discuss. Apply. Approved all online. Book your meeting today to start the discussion!

Critical Illness

Your policy will pay a lump sum cash benefit should you suffer from a triggering illness such as cancer, heart attack, stroke, Lou Gehrig’s disease (ALS), blindness due to diabetes, kidney failure or major organ transplant, and more.

Chronic Illness

Your policy will pay a monthly cash benefit should you become ill and unable to perform two daily living activities.  Such as bathing, dressing, or eating due to cognitive impairment.  This benefit can be paid 2% monthly or paid 24% annually. Your policy must be in force for at least 2 years. 

*Percentages are based on insureds death benefit amount 

Terminal Illness

Pays up to 90%* cash benefit if you are diagnosed with a Terminal illness resulting in life expectancy of fewer than 12 months (24 months in some states). This can be used for experimental medicine, preparation for final expenses or any other purpose you feel necessary.

*Percentages are based on insureds death benefit amount 

Here are just a few personal stories on how Living Benefits have helped people just like you.

Life Insurance evolved...

Living Benefits provide peace of mind at a time when the LAST thing you need to worry about is money.


It allows the policy owner to have access to an early payout of the death benefit if the insured is diagnosed with a qualifying illness or injury. With our revolutionary application process buying life insurance online with Living benefits have never been easier.

We are an independent insurance agency that offers revolutionary solutions. We Specialize in Life Insurance with Living Benefits, Mortgage Protection, and Retirement planning.


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Flatirons Financial Group
Flatirons Financial group