NxtGen Equity
Living Benefits Plan

Joey, get paid while you're still living.

Get seriously sick, and this policy pays you. Not just your family.

Prepared for Joey PulidoBy Thuan BuiOct 6, 2026
$500K
Coverage
$450K
Up to this, paid to you if seriously ill
$1.89
A day, to start
Your options

Same $500,000. Pick your years.

10 Years
Through 2036
$57.64 /mo
≈ $1.89 a day
15 Years
Through 2041
$73.04 /mo
≈ $2.40 a day
20 Years
Through 2046
$90.64 /mo
≈ $2.98 a day
30 Years
Through 2056
$139.92 /mo
≈ $4.60 a day

Price locked for the full term. Final after health approval.

Typical term policy

  • ✕Pays only if you die
  • ✕Get sick? Nothing.

Your plan

  • ✓Pays your family $500,000
  • ✓Pays you if you get seriously ill
Living benefits

3 ways it pays you early

Up to 90%

of your coverage, paid to you. Use it for anything.

Critical Illness

A sudden, serious diagnosis.

Heart attackStrokeCancerKidney failureOrgan transplant

Chronic Illness

Need help with basics like bathing or dressing.

Alzheimer'sDementiaParkinson'sParalysis

Terminal Illness

Doctor gives a limited life expectancy.

Late-stage cancerEnd-stage heart failureAdvanced ALS
GoFundMe cannot be an option.
Your rent

$450,000 ÷ $8,000 rent =

56 months

About 4 years 8 months of rent, covered.

Year 1$96,000
Year 2$96,000
Year 3$96,000
Year 4$96,000
Year 5$66,000

1 block = 1 month of rent. Actual payout set by the carrier, usually a bit less than face.

Real proof

Real claim. Real check.

Cancer diagnosis. Paid to her while living.

$250,720
Policy death benefit
$212,046
Paid to her
~6 wks
Letter to check
Living benefits approval letter, personal details removed

Approval letter · Aug 8, 2022

Living benefits check for $212,046.00, personal details removed

The check · Sept 18, 2022 · $212,046.00

TAX
FREE

Generally tax-free.

✓Critical & terminal payouts to you
✓Chronic illness payouts (within IRS limits)
✓$500,000 death benefit to your family
$292,500
If taxed like income (35% example)
$450,000
What you keep
Next steps

3 steps to covered

1

Pick your years

2

Apply at our office

30 to 45 minutes.

3

Health review, then you're protected

Bring

  • Photo ID
  • Bank info (voided check)
  • Beneficiary names & birthdays
  • Medications & doctors' names
NxtGen Equity

2900 S. Harbor Blvd., Ste 225, Santa Ana, CA

Thuan Bui · Founder & CEO

Schedule your FREE consultation

For educational purposes only; not a contract. Premiums shown are quoted monthly rates for $500,000 of level term coverage and are subject to underwriting approval; final rates may differ. Living benefits are provided through accelerated benefit riders, are subject to the rider's terms, conditions, qualifying events, and state availability, and may vary by carrier and policy. The maximum amount that can be accelerated is set by the policy; the actual payment is calculated by the insurance company (including present-value discounting and fees) and will generally be less than the amount of death benefit accelerated. Accelerating benefits reduces the death benefit paid to beneficiaries. Rent-coverage figures are simplified illustrations. Tax treatment is general information under current law and is not tax advice; chronic illness benefits may be subject to IRS per-diem limits. Please consult a qualified tax professional. The letter and check shown are from an actual past claim, shared with personal details removed; individual results will vary. NxtGen Equity is a licensed life insurance agency in California.