If You Have Questions, We Have Answers!

Do you have to be a Firefighter to get this coverage?

No! Anyone over the age of 18 can qualify for the policy assuming they meet the medical qualifications

Is this expensive?

No, This is the most affordable benefit on the market.

What else does the policy cover?

There are 18 benefit triggers:

Critical Illness

The diagnosis of any of the following illnesses or conditions:

  • Invasive Life-Threatening Cancer · Major Burns
  • Stroke · Coma
  • Major Heart Attack · Aplastic Anemia
  • End-Stage Renal Failure · Benign Brain Tumor
  • Major Organ Transplant · Aortic Aneurysm
  • ALS (Amyotrophic Lateral Sclerosis) · Heart Valve Replacement
  • Blindness due to Diabetes · Coronary Artery Bypass Graft Surgery

Chronic Illness

The inability to perform at least two activities of daily living for at least 90 days or the presence of a severe cognitive


  • Dressing · Toileting
  • Eating · Transferring
  • Bathing · Continence
  • Graft Surgery

Is there a waiting period?

There is not waiting period. After you are approved, the policy and benefits are immediate

How do they determine how much can be accelerated?

The formula is as follows:

  • Eligible Death Benefit (Face Amount)
  • Actuarial Discount (Life Expectancy)
  • Administrative Fee (not to exceed $500 )
  • Outstanding Policy Debt,  Equals the

Accelerated Benefit Amount

What are the procedures for making a claim?

Reporting: You must provide notice that a covered insured has suffered a qualifying medical condition. This must be done within 365 days of the qualifying illness for the Accelerated Benefit Rider for Critical Illness. American National will provide you with a claim form and will request records of the insured’s medical history, diagnoses, and treatments. In your claim form, you will tell us what percentage of the policy you wish to accelerate. In the event of multiple partial accelerations, proof of qualification may be requested for each claim. If you reside outside of the United States at the time of the claim, you will be required to see a U.S. doctor in order to accelerate your benefits

Offer: If we determine that benefits are payable, we will provide you with an accelerated benefit election form which will include an offer for an accelerated benefit payment based upon your request.

Election: In most states, you will have fifteen days following the receipt of the accelerated benefit election form to accept our offer of an accelerated benefit payment. You will be under no obligation to accept this offer.

Can you accelerate more than one time?

Yes, you can accelerate your death benefit with any qualifying illness until the death benefit is exhausted

What happens after I retire?

Have fun! The policy is guaranteed for the entire benefit period, regardless active duty or not

Does this policy cover my spouse?

No, the policy is underwritten individually. Spousal policies are very inexpensive, though

Does it cover all cancers?

Yes, there are NO RESTRICTIONS on the type of cancer that is covered with this policy. Some cancers do not have the same benefits as other. Consult with your benefits professional for details

Does this only cover me while I’m working?

This is 24 hour, 356 day protection on or off the job

What about heart attacks?

Heart attacks are covered under critical illness and have the same benefit guidelines as any other critical illness

Does it matter if I have High Blood Pressure?

As long as it is controlled, you can still qualify.

What if I take CHL Meds?

As long as it is controlled, you can still qualify.

Does it require an exam?

It depends. Many of the applications are exam free, but some may require a free exam. Your advisor will discuss the options if an exam is needed

How long does it take to be approved?

Approval are in a s little as 3 days to 3 weeks. It is a case by case scenario

Are there policies for smokers?

Yes, the pricing is different. Consult your benefits professional for specific pricing

Does the price ever increase?

The price will never increase during the guarantee period

Is the policy portable?

YES! The policy follows you wherever you go during the guarantee period

Does it cover suicide?

The policy does cover suicide after a 24 month waiting period

Does it cover burn injuries?

Yes, it covers 3rd degree burns >40% BSA

You have questions? We have answers!

If you would like to speak to one of our Benefits Specialist, submit your details and we'll be in touch shortly. You can also email us at Email: info@fflivingbenefits.com for a quicker response.

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