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Real People. Real Stories.

Living Benefits Case Studies

Discover our Living Benefits Case Studies Library, where clients share impactful, true stories about how Living Benefits made a crucial difference when they needed it most. Real people, real experiences, real impact.

Divine Path Financial Group

Case Studies Mashup

Amanda Thomas

"All that stress just evaporated instantly."


Amanda Thomas' Story


When Amanda Thomas was diagnosed with thoracic cancer shortly after delivering their fourth child, her family’s world was turned upside down. She would spend a year out of work while undergoing grueling chemo treatments. Her job dropped her from their health insurance. Her paychecks stopped coming in. Meanwhile, the medical expenses were piling up.

Thankfully, Amanda and her husband Eugene had prepared for this very situation back when she was healthy by putting a Living Benefits life insurance plan in place for their family. Utilizing her policy’s built-in Critical Illness rider, Amanda was able to accelerate $405,000 of her life insurance policy's death benefit to get a tax-free check for $343,000 in her hands.

Kevin Hay

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Divine Path Financial Group

Latasha McCray

Living Benefits Testimonial
“This is your future that you're thinking about.”


Latasha McCray's Story


Latasha McCray had all of her ducks in a row - she was in perfect shape, had a great job and a financial plan for the future. But when a breast cancer diagnosis turned her world upside down, Latasha found all of her well-laid plans crumbling around her.

Watch as Latasha tells the story of how her Living Benefits life insurance plan sprung into action at the time she needed it most, leaving her plenty of money to replace her lost income and pay for all of her medical treatments en route to a full recovery.

Elizabeth Martinez Genova

Living Benefits Testimonial
"It lifted a burden."

Elizabeth Martinez Genova's Story


Elizabeth Martinez Genova was busy living her life to the fullest. She had served in the military, graduated law school, raised a wonderful son, and spent her spare time traveling the world and exploring different countries and cultures. When her friend Alberto Carballeira approached her about Living Benefits life insurance, she was hesitant at first. But after learning about how Living Benefits could allow her to access her death benefit while she was still living if she ever got sick, Elizabeth saw the value in it and put a policy in place for herself. That decision would prove to be one of the most important and impactful choices she ever made.

Jim Johnston

"It saved the house. It saved us financially."

Jim Johnston's Story


Jim Johnston was healthy – he surfed, he golfed, and was active. He had no reason to think he was going to get diagnosed with cancer. When he discovered a lump under his jawline while shaving, his world was changed in an instant. Watch as Jim and his wife Anne relive his unexpected throat cancer diagnosis, and how his Living Benefits life insurance policy ultimately saved them from financial disaster.

Divine Path Financial Group

Cornelia Steinberg

"You don’t know what’s around the corner."

Cornelia Steinberg's Story

Cornelia Steinberg didn’t think she needed life insurance. Her ex-husband earned good money in his job, and she figured that if anything ever happened to her, her daughter would be well taken care of. However, once Cornelia’s friend and adviser explained the reasons that owning Living Benefits life insurance made sense for her, Cornelia immediately saw the value as a “no-brainer”. A few months later, that decision proved to be, as she says in the video, one of the best she’s ever made.

Heilyn Hernandez Pages

"Like a light in the dark."

Heilyn Hernandez Pages' Story

Brutally attacked at her place of employment as she pulled into work one Monday morning, Heilyn Hernandez Pages was doused in gasoline and set on fire. The attack left her with severe burns covering the majority of her body. Heilyn’s miraculous road to recovery would prove to be a costly one, requiring multiple graft surgeries and occupational therapy to regain full mobility. She was unable to work while in the hospital, and her income dropped to zero. As the sole provider for her household, which includes her young daughter and both of her parents, Heilyn was able to avoid financial ruin by accelerating $425,000 from her Living Benefits term policy. As fate would have it, she had set the policy up only nine months before the attack took place.

Joelma Dias

"I was so happy I made the right decision."

Joelma Dias' Story

Joelma Dias wasn’t convinced she was having a stroke. During a fun night of hanging out with her friends at church, the right side of her body suddenly began to feel weak. Joelma felt fine otherwise, and insisted that she was going to head home and get some rest. Luckily, a friend of hers convinced her to go to the hospital instead, where she learned she had suffered a life-threatening stroke.

Divine Path Financial Group

Keith Rowe

"It was one thing off our plate."

Keith Rowe's Story

Keith Rowe was in the best shape of his life. As a soldier on active duty, he was fit and healthy. He had no idea that he would soon be in the fight of his life. After experiencing symptoms while away at a military training school, Keith was diagnosed with testicular cancer. Over the next several years he would battle through the initial diagnosis, remission, and then a recurrence eight months later which necessitated three rounds of grueling chemotherapy.

Keith was able to use the Living Benefits on a permanent life insurance policy he had set up as a tax-free retirement vehicle years earlier to get $60,000 in his hands when he needed it most. He says putting that policy in place was one of the best decisions he ever made.

Devan Shockley

"Without it, we’d be bankrupt."

 

Devan Shockley's Story​

When business owner Devan Shockley was diagnosed with a malignant melanoma in his calf, he and his wife Cathleen were shocked to find that their excellent health insurance left a gap of more than $30,000 to treat his cancer. To their vast relief, Living Benefits was available on their life insurance policy, and they were able to accelerate nearly $200,000 to get the relief they needed en route to a full recovery.

Rickson & Bianca Amorim

"I never thought it would be me."

Rickson Amorim's Story

 
Rickson Amorim had built a successful career helping his clients protect themselves with a revolutionary new kind of life insurance. He never imagined he would find himself utilizing his own Living Benefits policy after an out-of-the-blue medical emergency. Watch as Rickson and his wife Bianca tell the harrowing story of a sudden, unexplained cardiac arrest that left him clinging to life in a coma. His Living Benefits life insurance policy paid out over $250,000, leading to a miraculous recovery and ensuring a bright, healthy future for Rickson and his new bride.
Divine Path Financial Group

Chaunte Lowe

An Olympian's Living Benefits Story

 

Chaunté Lowe: Olympian, Mother, & Cancer Survivor

 
With an athletic career that includes four Olympic Games, an Olympic medal, three World Championship medals, and three American records in the high jump, Chaunté Lowe has racked up a long list of accolades and accomplishments throughout her remarkable life. Despite her world-class preparation on the field of competition, nothing could prepare her for a diagnosis of breast cancer. Chaunté recounts that experience and how a Living Benefits life insurance policy that she had put in place just two years before her diagnosis provided her a "shining ray of light and hope" that made sure all treatment options were on the table for her. Watch as she explains how important is for everyone to own Living Benefits, and why she is driven to spread that message in her role as the first-ever Living Benefits Awareness Month spokesperson.

Portia Lewis

"Not having money is like not having air."

Portia's Story


Having gone through the scary experience of a cancer diagnosis without a Living Benefits plan in place, Rita Boccuzzi made it her life mission to help others avoid that fate. When Portia Lewis was invited by a friend to attend a course to learn more about personal finance, she jumped at the opportunity to "bridge the gap" in her financial knowledge. It was at this class that she was fatefully introduced to Rita for the first time. It was also her first introduction to Living Benefits, a new type of life insurance that could provide immediate money from her policy in case of a major illness or injury. Watch as Portia and Rita recount the series of events that enabled Portia to receive over $100,000 from her Living Benefits-enhanced life insurance after a surprise diagnosis of Stage 4 breast cancer.

Dr. Steven Smith

"They didn't have Living Benefits back then."

Steve Smith's Story

 
At the age of 25, Steve Smith was given a frightening diagnosis of stage four Hodgkin's disease. Steve endured an aggressive treatment plan that included six months of chemotherapy and 13 radiation treatments. During his treatment, Steve had no life insurance and Living Benefits did not exist, which resulted in significant emotional and financial stress. Now, as a survivor, Steve emphasizes that up to 70% of the American population is either uninsured or underinsured, underscoring the need for proper life insurance coverage with Living Benefits.
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Divine Path Financial Group

At Divine Path Financial Group, our mission is to guide our clients on their unique financial journeys by providing expert advice, tailored solutions, and unwavering support

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