Life can change in a blink of an eye! I was driving to work one morning when a semi truck swerved in my lane right in front of me and I clipped his trailer. Totaling a Dodge 3500 with a full replacement Ranchhand Brush Guard. I walked away but with several herniated discs, I could no longer work, which meant no income, so I could not pay the bills. They repossessed my truck and then if that wasn't bad enough they came and repossessed my wife's trucks. To see her crying really made me feel horrible. We almost lost our house as well. I had never heard of this insurance or the benefits of it. If I had this insurance, I could have taken a portion of my benefits to pay my bills and could have avoided losing our trucks and dealing with all the stress and what it did to my family. It really hurt when my 4 year old son kept asking ("where are taking our truck daddy"). ("Why did they take our truck daddy"). And it's really horrible sitting home with nothing but your thoughts because you can't work. Sitting there thinking what kind of job can I get that doesn't require any bending or lifting, how are we going to pay the bills? But I couldn't just give up, so I searched for a job that I could do. That's when I found out about this insurance. I had never heard about life insurance with living benefits. I was amazed that there was insurance that offered benefits while you were still living. Benefit’s to help you pay your bills when your recuperating. That's when I decided this is what I'm going to do. I don't want anyone to have to go through what I went through. So I have made it my mission.