Your Policy Works For You While You Are Alive
Living Benefits
Most of our policies include powerful living benefits — allowing you to access your coverage while you are still alive. Your policy protects your family and protects you.
No Medical Exams | Day One Coverage Available | All 50 States
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What Are Living Benefits?
Living benefits are powerful features included in most of our life insurance policies that allow you to access your coverage while you are still alive. This means your life insurance policy is not just for your family after you are gone — it also protects and benefits you during your lifetime.
Whether you face a serious illness, need access to cash value, or want to build tax-free retirement income — our policies are designed to work for you at every stage of life. You worked hard to protect your family. Living benefits make sure your policy also protects you.
Illness Protection Benefits
If you are diagnosed with a qualifying illness you may be able to access a portion of your death benefit while you are still alive to cover medical bills, living expenses, or anything else you need.
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Critical Illness
If diagnosed with a critical illness such as a heart attack, stroke, or cancer you may access a portion of your death benefit immediately to cover treatment costs and living expenses.
Examples: Heart attack, stroke, cancer, kidney failure, major organ transplant
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Chronic Illness
If diagnosed with a chronic illness that permanently affects your ability to perform daily activities you may qualify to access your living benefits to maintain your quality of life.
Examples: Inability to perform 2 of 6 daily living activities, severe cognitive impairment
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Terminal Illness
If diagnosed with a terminal illness and given a life expectancy of 12 to 24 months you may access a significant portion of your death benefit early to spend time with loved ones.
Examples: Terminal cancer, ALS, end-stage organ disease
Living Benefits By Policy Type
Each of our policy types comes with its own powerful set of living benefits designed to protect and serve you during your lifetime.
Term Life Insurance
Temporary coverage — typically ages 25 to 55
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Day One Coverage
Your protection begins immediately upon approval — no waiting period on qualifying policies.
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Living Benefits Rider
Access your death benefit early if diagnosed with a qualifying critical, chronic, or terminal illness.
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Cash Back Offer (CBO)
Available on select policies — get 50% to 100% of your premiums returned if you outlive the term.
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Tax-Free Death Benefit
Your death benefit is paid out completely tax-free to your named beneficiary.
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High Coverage Amounts
Get up to $2 million in coverage — the most protection for the lowest cost during your family's most important years.
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Level Death Benefit
Your death benefit stays the same for the entire term period — it never decreases.
Whole Life Insurance
Permanent coverage — typically ages 40 to 85
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Day One Coverage
Coverage begins immediately on qualifying policies — your family is protected from day one.
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Terminal Illness Rider
Access a portion of your death benefit early if diagnosed with a terminal illness.
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Builds Cash Value
Your policy builds cash value over time earning a guaranteed interest rate of around 2 to 3% annually — a financial asset you can borrow against.
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Fixed Premiums For Life
Your premium is locked in forever — it will never increase no matter how old you get or how your health changes.
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Guaranteed Lifetime Coverage
Coverage lasts your entire life to age 100 as long as premiums are paid — it can never be canceled due to age or health.
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Tax-Free Death Benefit
Your death benefit is paid out completely tax-free to your named beneficiary.
Indexed Universal Life (IUL)
Permanent wealth building coverage — typically ages 25 to 55
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Day One Coverage
IUL policies allow up to $1 million in coverage starting from day one of approval.
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Living Benefits Rider
Access your death benefit early if diagnosed with a qualifying critical, chronic, or terminal illness.
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Market-Linked Cash Value Growth
Cash value is tied to the S&P 500 accumulating 6 to 8% when the market rises — but you never lose money when it falls due to your floor interest of 0%.
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Tax-Free Retirement Income
Access your cash value tax-free through policy loans in retirement — no age limits, no IRS penalties, no required withdrawals.
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Overfunding Option
Add additional money into your IUL to accelerate cash value growth and increase your death benefit over time.
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Tax-Free Death Benefit
Your death benefit is paid out completely tax-free to your named beneficiary.
Final Expense Insurance
Ages 50 to 85
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Day One Coverage
Protection begins immediately on qualifying policies.
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Terminal Illness Rider
Access benefits early if diagnosed with a terminal illness.
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No Medical Exam Required
Simple approval process — just a few health questions.
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Guaranteed Lifetime Coverage
Permanent protection that never expires and premiums that never increase.
Mortgage Protection
Homeowners of all ages
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Day One Coverage
Your home is protected from the very first day of approval.
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Living Benefits Rider
Access benefits early if diagnosed with a qualifying critical, chronic, or terminal illness.
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No Medical Exam Required
Get covered quickly and conveniently entirely over the phone.
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Family Home Protection
Your mortgage is paid off if you pass unexpectedly — your family never loses their home.
Why Living Benefits Matter
The average American family is one serious illness away from financial devastation. Medical bills are the number one cause of bankruptcy in the United States. Living benefits provide a financial safety net that can help you maintain your lifestyle, pay your bills, and focus on your recovery.
Your life insurance should work for you while you are alive — not just for your family after you are gone.
$0
Additional cost on most policies
5
Policy types with living benefits
50
States where we offer coverage
Get a Policy With Living Benefits Today
No medical exams. No doctor visits. Get covered entirely by phone from the comfort of your home. Day One Coverage available on qualifying policies. Serving all 50 states nationwide.
Your family deserves protection. So do you.
Get a Free Quote
Call (800) 941-9290
