Life Insurance with Living Benefits

Our Life Insurance Services
Ruiz Agencies | Powered by Equis Financial
Licensed in Georgia, Florida, South Carolina, Texas, and New Mexico

At Ruiz Agencies, we proudly operate under the trusted platform of Equis Financial, one of the nation’s leading Independent Marketing Organizations (IMOs). This partnership allows us to deliver powerful, flexible life insurance solutions from top-rated carriers. Whether you’re protecting your family or planning ahead for life’s uncertainties, we’re here to help you find the coverage that fits.

What is Life Insurance with Living Benefits?

Life Insurance with Living Benefits is one of the most valuable forms of coverage available today. Unlike traditional life insurance — which only pays after death — these policies allow you to access a portion of your benefit while you’re still alive if diagnosed with a qualifying illness.

Coverage may include:

• Terminal Illness: Access up to 90% of your death benefit if you’re diagnosed with a condition expected to result in death within 12–24 months.

• Chronic Illness: Qualify for funds if you lose the ability to perform basic activities such as bathing or dressing.

• Critical Illness: Receive benefits following a major medical event like cancer, stroke, or heart attack.

This type of policy ensures your family is protected — and that you are too. It helps cover medical costs, replaces lost income, or simply gives you peace of mind during difficult times.