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Life Insurance

Chronic Illness Protection

A life insurance program that can provide living benefits.

Why is chronic illness protection important?


  • A chronic disease is a condition lasting three months or longer. It can be treated, but it cannot be cured.
  • About 42 million Americans are limited in their usual activities due to one or more chronic health conditions.1
  • Sadly, Indiana has higher rates of chronic diseases than the national median.
  • In 2010, almost 50% of Hoosier adults reported having a history of heart disease, stroke, cancer or chronic lower respiratory disease, like asthma.2
  • Other chronic conditions include Alzheimer’s, dementia, kidney disease, diabetes, arthritis and COPD.

Chronic Illness Infographic
of the nation's 4.1 trillion annual health care expenditures are for people with chronic and mental health conditions.3
of adults older than age 65 have two or more chronic conditions.4
Chronic Illness Infographic


Seven of the top 10 causes of death in 2020 were chronic diseases. Two of these chronic diseases—heart disease and cancer—together accounted for nearly 40% of all deaths.5

41.8 million caregivers provide care for someone aged 50 years or older.6
15.5 million care for someone who has Alzheimer’s or other dementia.7

Approximately ¼ of people with chronic conditions have one or more daily activity limitations.8
Activities of daily
living include:

alzheimer or dementia graphic

Chronic illnesses can be costly and devastating. Talk to an agent to learn more about this program that provides you and your family with both death and living benefit protection.

Reach an agent

  1. Centers for Disease Control and Prevention. (2018). Table of Summary Health Statistics. Retrieved May 24, 2022, from National Center for Health Statistics:
  2. Indiana State Department of Health. Chronic Disease and Injury in Indiana. 2012.
  3. National Council on Aging. (2021, April). The Top 10 Most Common Chronic Conditions in Older Adults. Retrieved May 24, 2022, from NCOA: National Council on Aging:
  4. National Center for Chronic Disease Prevention and Health Promotion (NCCDPHP). (2022, May). Health and Economic Costs of Chronic Diseases. Retrieved May 24, 2022, from Centers for Disease Control and Prevention:
  5. Gerteis J., Izrael D., Deitz D., LeRoy L, Ricciardi R., Miller T., Basu J. Multiple Chronic Conditions Chartbook. AHRQ Publications No, Q14-0038. Rockville, MD.
  6. The National Alliance for Caregiving. (2020). Caregiving in the U.S. 2020: A Focused Look at Family Caregivers of Adults 50+. Washington D.C.: AARP. Retrieved May 24, 2022, from:
  7. The National Alliance for Caregiving. (2020). Caregiving in the U.S. 2020. Washington D.C.: AARP. Retrieved May 24, 2022, from:
  8. Johns Hopkins University. Chronic Conditions: Making the Case for Ongoing Care. December 2002.
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