Life Insurance with Living Benefits

Life insurance with living benefits offers more than just protection for your loved ones after you're gone. It provides financial support when you need it most: while you're still alive.

What Are Living Benefits?

Living benefits allow you to access a portion of your life insurance death benefit while you're still living, typically in the event of a qualifying illness or condition. This can include terminal illness, chronic illness, or critical illness riders.

Terminal Illness Benefit

If you're diagnosed with a terminal illness with a life expectancy of 12-24 months, you can access a significant portion of your death benefit. This money can be used for medical treatments, quality of life expenses, or settling affairs.

Chronic Illness Benefit

If you become unable to perform two or more activities of daily living, or require substantial supervision due to cognitive impairment, you may qualify for chronic illness benefits to help cover long-term care costs.

Critical Illness Benefit

Certain conditions like heart attack, stroke, or invasive cancer may trigger critical illness benefits, providing funds when you need them for treatment and recovery.