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Living Wills

Living Wills allow you to state whether you want your life prolonged if you will soon die from a terminal illness or if you're permanently unconscious.

Term Life Insurance Living Wills Defined>

In general, a Living Will indicates whether you want certain treatments withheld or withdrawn if they are only prolonging the dying process or if there is no hope of recovery.

Living Wills, as a general rule, only go into effect if you're no longer able to make your own health care decisions. For example, if you suffer serious brain damage in a car accident or suffer an incapacitating stroke, you may be permanently unconscious and unable to communicate with your doctor. Living Wills in this case, lets your physician know your wishes concerning certain medical procedures.

  Advance Directives

What if an illness or an accident leaves you in a coma? Would you want to have your life prolonged by any means necessary, or would you want to have some treatments withheld to allow a natural death? What if you are dying from a painful terminal illness? Would you want to receive medical procedures to prolong your life?

An advance directive allows you to give instructions to your health care providers and your family on these topics. You can give them instructions about the types of treatments you want or don't want to receive if you become incapacitated. Usually, directives will only go into effect in the event that you can't make and communicate your own health care decisions. Up until then, you can continue to give directions to your health care provider even though you have an advance directive.

Hospitals and other health care providers are required under the federal Patient Self Determination Act to give patients information about their rights to make their own health care decisions. That includes the right to accept or refuse medical treatment. If you have executed a Living Will, Health Care Power of Attorney, or Advance Health Care Directive, your health care provider may ask you for a copy.

  Advance Directive Types

The term advance directive can describe a variety of documents. Living Will and Health Care Power of Attorney documents are types of advance directives. Some states also have a document specifically called an Advance Health Care Directive. So, the term advance directive may be used to refer to any of these specific documents or all of them in general.

States differ widely on what types of advance directives they officially recognize. Some states also require that you use a specific form for the format and content of your advance directive. If you have specific questions, contact an attorney who is familiar with your state statutes regarding advance directives.

Author’s note: The intent of this information provided by termlifeamerica.com is to inform and motivate the general public into action. One should consider only a qualified practicing legal individual or entity, in the state in which you reside, when making decisions on Living Wills.


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Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life quotes for:
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We offer term quotes for 5, 10, 15, 20, 25, and 30 year term periods. Our universal life products can be quoted to cover a term of up to age 120. Not all term product quotes from all term companies quoted are available in all states.

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