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Your Policy Works For You While You Are Alive
Most of our policies include living benefits that may allow you to access a portion of your coverage while you are still alive, depending on the policy and qualifying conditions.
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Get a Free Quote Call (800) 941-9290Living benefits are policy features that may allow you to access a portion of your death benefit while you are still alive if you meet specific qualifying conditions outlined by the carrier.
These benefits are designed to help provide financial flexibility during serious health events, allowing funds to be used for medical expenses, household costs, or other financial needs.
If you are diagnosed with a qualifying illness, you may be eligible to access a portion of your policy’s death benefit, subject to policy terms and carrier approval.
May allow access to benefits if diagnosed with serious conditions such as heart attack, stroke, or cancer, subject to policy definitions.
May provide access if you are unable to perform certain daily living activities or experience cognitive impairment, based on policy criteria.
May allow early access to a portion of your benefit if diagnosed with a qualifying terminal illness, based on carrier guidelines.
Serious health events can create financial strain beyond medical bills. Living benefits are designed to provide additional flexibility during these situations, helping you focus on recovery instead of finances.
Your policy can provide protection for both your family and you, depending on how it is structured.
Living benefits, riders, and features vary by carrier, policy type, and state availability. Eligibility is subject to underwriting and policy terms. Accessing benefits may reduce the death benefit and available policy value.
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