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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 40 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 U.S. health care spending is a result of chronic illness care.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 2014 were chronic diseases. Two of these chronic diseases—heart disease and cancer—together accounted for nearly 46% of all deaths.5

of the nation’s $2.7 trillion annual health care expenditures are for people with chronic and mental health conditions.7
65.7 million
informal and family caregivers provide care to someone who is ill, disabled or aged in the U.S.6


43.5 million caregivers provide care for someone aged 50 years or older.
14.9 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:


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

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1. Summary Health Statistics for the U.S. Population. U.S. National Center for Health Statistics. Series 10, Number 259. December 2013. ries/sr_10/sr10_259.pdf.
2. Indiana State Department of Health. Chronic Disease and Injury in Indiana. 2012.
3. U.S. Department of Health and Human Services. Multiple Chronic Conditions—A Strategic Framework: Optimum Health and Quality of Life for Individuals with Multiple Chronic Conditions. Washington, DC. 2010. Accessed July 26, 2018.
4. Centers for Disease Control and Prevention. Leading causes of death and numbers of deaths, by sex, race, and Hispanic origin: United States, 1980 and 2014 (Table 19). Health, United States, 2015. Accessed July 26, 2018.
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. Centers for Disease Control and Prevention. The Power of Prevention. 2009. Accessed July 26, 2018.
7. National Alliance for Caregiving ( and AARP ( Caregiving in the U.S. 2015 Report.
8. Johns Hopkins University. Chronic Conditions: Making the Case for Ongoing Care. December 2002.
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