Special Programs

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Life Insurance Accelerated Benefit Programs for Santa Rosa, CA

An accelerated benefit rider is an optional insurance policy feature that can allow you to access up to 80% of your life insurance death benefit if you qualify, during periods of illness or disability. This type of rider provides the insured with a portion of their death benefit, usually up to 80%, before they die, if certain conditions are met. In addition, this money can be used for living expenses and medical bills without having to wait for the beneficiary to receive it after the insured's death.

This option is especially beneficial for those who face serious health issues but may not have enough funds available in savings or investments to cover related costs. With Life Insurance Accelerated Benefit Programs, individuals can plan ahead and protect their families from financial hardship at a time when they need it most.


If you are shopping around for life insurance with Accelerated Death Benefit Rider, in or around Santa Rosa, CA, let Biaggi Life help you find the Life Insurance Accelerated Benefit Programs that fit your needs best. Biaggi Life offers no cost virtual appointments, click here to schedule your no cost virtual life insurance review.


You can find more information about our programs below. If you have any additional questions, feel free to contact us today.

Access Your Death Benefit With A Chronic Illness Rider

Many families are unable to cover the associated costs of a family member's chronic or terminal illness with just income or assets alone. Not having adequate financial resources could significantly impact your savings and your health. Consider these statistics:


  • One of every five people aged 65 or older will require some form of long-term care that lasts at least five years.
  • In-home healthcare professionals can cost over $30,000/year.
  • Private nursing home facilities can cost over $80,000/year.

A Chronic Illness Rider offers you flexibility and peace of mind. You can access a part of your death benefit if you experience a life-altering incident. Contact us to learn more about our Accelerated Benefit riders and qualifications.

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Biaggi Life Additional Insurance Program?

Have you recently purchased life insurance through us or another agency and suddenly realized—you need more coverage?

You could be eligible for our additional coverage program if you meet certain criteria, such as:

  • You're fully underwritten with a standard or better plan
  • You can be a tobacco or non-tobacco user
  • You've received your plan within the last 3 years


Eligibility terms include:

  • Aged 65 or older
  • Have a minimum policy of $100,000
  • Maximum face value of no more than $1,000,000
  • We work with various carriers across the nation to get you the coverage you need.

Biaggi Life Additional Insurance Program?

Have you recently purchased life insurance through us or another agency and suddenly realized—you need more coverage?

You could be eligible for our additional coverage program if you meet certain criteria, such as:

  • You're fully underwritten with a standard or better plan
  • You can be a tobacco or non-tobacco user
  • You've received your plan within the last 3 years


Eligibility terms include:

  • Aged 65 or older
  • Have a minimum policy of $100,000
  • Maximum face value of no more than $1,000,000
  • We work with various carriers across the nation to get you the coverage you need.
A family is sitting on a couch together and smiling.