How Life Insurance Saved a Deep-Sea Fishing Captain and His Family

By Sebastian River Insurance

For Captain Mike, the ocean was both a livelihood and a passion. Every day, he faced the unpredictable waves, hauling in catches that supported his family and community. But no amount of experience could prepare him for the storm that would change everything.

The Incident at Sea

One afternoon, while navigating a treacherous stretch of water, Mike suffered a severe injury—a fall that fractured his leg and caused internal injuries. With no immediate medical help nearby, he was airlifted to shore, where doctors told him he needed months of recovery and could not return to work right away.

Facing the Storm on Land

Mike’s job wasn’t just a paycheck—it was the family’s lifeline. Without his income, bills piled up quickly: boat loans, household expenses, and medical costs. The pressure was overwhelming.

But Captain Mike had planned ahead. Years earlier, he’d purchased a life insurance policy with living benefits through Sebastian River Insurance.

What Are Living Benefits?

Living benefits allow policyholders to access part of their death benefit while still alive if diagnosed with a critical illness, injury, or chronic condition. This payout can be a game-changer during health crises that impact income.

How Life Insurance Made the Difference

Thanks to his policy’s living benefits, Mike was able to:

• Cover medical bills not paid by health insurance

• Replace lost income during his recovery

• Keep his family afloat financially

• Avoid selling the family boat or taking on debt

More Than Just Protection—A Partner in Life’s Uncertainties

Captain Mike’s story isn’t unique. Life can throw unexpected challenges your way, especially in high-risk professions like fishing. Having a policy that works for you while you’re alive—not just after—is peace of mind that money can’t buy.

Plan Today, Protect Tomorrow

At Sebastian River Insurance, we help hardworking individuals like Captain Mike build insurance plans that protect their families no matter what the future holds.

📞 Call us today for a free consultation and learn how life insurance with living benefits can be your safety net.