What are ABR’s?

Did you know that a study found that 53% of working-age Americans were uninsured and facing problems paying off medical expenses? Whether its a critical, chronic, or even terminal illness of a loved one, these tragedies often drain family financially and emotionally. Fortunately, we have a more affordable option for you. You can protect yourselves through the Living Benefits provided by the company we work with’s Accelerated Benefits Riders (ABRs). Not all companies offer this!

What is an Accelerated Benefit Rider (ABR)?

ABRs provide the option of receiving a partial or full accelerated life insurance benefit if the insured experiences a qualifying medical condition.
ABRs can provide funds when they are needed to help you at a critical time and help protect the money you have saved for retirement and other life needs.
These riders are offered for no additional premium
We have Three separate Riders to cover the following:
  • ABR for Critical Illness – Includes critical illnesses including heart attack, stroke, invasive cancer, etc.
  • ABR for Chronic Illness – The insured can not perform 2 of 6 daily living activities (bathing, continence, dressing, eating, toilting, or transferring) or requires constant supervision due to safety concerns
  • ABR for Terminal Illness – The Insured has a condition or illness with expected death within 24 months
Please contact us if you are interested in learning more about ABRs or Life insurance. We are always happy to hear from you!

Did you Know?

We offer a wide variety of insurance products to include Home, Auto, Life, Annuities, Motorcycle, RV, ATV, Boat, Small Business, Rental, Umbrella, and Equine Mortality/Major Medical coverage.
Galvin Agency is here to help you with insurance questions, needs, and claims. We are here to assist you and our job is to make sure you feel protected and knowledgeable. Thank you for your business and we look forward to talking with you soon!


No person associated with this news letter receives any form of compensation for any products mentioned, nor should any mention of a particular product be considered an endorsement of that product. This newsletter is for informational purposes only and should not be considered authoritative on any topic. Please seek advice from an appropriate professional on any specific issue.

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