What Are Living Benefits?
Living benefits are features built into certain life insurance policies that allow you to receive a portion of your death benefit early in the event of:
Critical illness
Chronic illness
Terminal illness
Major injury or long-term care needs
This money can be used however you choose, whether it is paying medical bills, covering household expenses, or taking time off work to recover.
Why Living Benefits Matter
Immediate Access to Cash
Use your policy while you are still alive to manage expenses or medical treatments.
Financial Relief During Health Challenges
Focus on recovery without worrying about your finances.
No Restrictions on How You Use the Funds
Use the payout for anything you or your family needs such as medical costs, mortgage payments, or everyday living.
Peace of Mind for You and Your Loved Ones
Living benefits help reduce the financial burden on your family during uncertain times.
Expertise
Living benefits transform your life insurance from a just in case plan to a here when you need it safety net. We will help you find a policy that supports you now and protects your family later.