Joel Williamson has been working with individuals and businesses, assisting them with their financial service needs since 1982. Joel assists his clients and friends to help grow, preserve, manage, enjoy while living, distribute, and transfer their assets in a tax-wise and prudent manner.
Joel is on a mission, actually a crusade, to educate the general public about the advent of living benefit riders to life insurance. This is perhaps the most exciting advance in life insurance in the last 100 years. If the insured owns a policy that has a living benefit rider, the insured does not have to die to collect benefits from his/her life insurance policy. If the insured suffers from a covered chronic illness (defined as unable to perform 2 out of 6 activities of daily living), critical illness (such as heart attack, stroke, invasive cancer, loss of sight or limbs, renal failure, organ transplant, etc), or terminal illness (illness or condition expected to end in death within 24 months or less), or suffers a cognitive impairment, a portion of the death benefit may be advanced as a “living benefit.” (Not all policies offer living benefits and coverage varies from policy to policy.)
Joel Williamson holds several professional designations, including the Chartered Life Underwriter (CLU) and LUTCF designations. Joel is an experienced, licensed agent and is able to offer a variety of insurance products with an emphasis on selecting and designing the right life insurance products from the best life insurance carriers. For a detailed analysis of your program, give Joel a call today to discuss the benefits of this new type of life insurance.