Question 1

What are Living Benefits in life insurance?

Accepted Answer

Living Benefits let you access a portion of your life insurance death benefit while you're still alive if you’re diagnosed with a qualifying illness or condition.

Question 2

What types of conditions qualify for Living Benefits?

Accepted Answer

Conditions may include heart attack, stroke, cancer, chronic illness, and terminal illness. Each policy varies.

Question 3

How do Living Benefits work?

Accepted Answer

If you’re diagnosed with a qualifying condition, you can claim a portion of your policy’s death benefit for medical bills or daily expenses.

Question 4

Is there an extra cost for Living Benefits?

Accepted Answer

Many life insurance policies include Living Benefits at no additional cost.

Question 5

Can I use Living Benefits more than once?

Accepted Answer

Some policies allow multiple claims for different conditions, while others may only allow a one-time access.

Question 6

Do I have to be terminally ill to use Living Benefits?

Accepted Answer

No. Living Benefits can be used if you're diagnosed with critical or chronic illness, not just terminal conditions.

Question 7

Who is Living Benefits life insurance best for?

Accepted Answer

It's ideal for parents, homeowners, business owners, or anyone wanting financial protection during life, not just after death.

Question 8

How do I get a quote?

Accepted Answer

You can get a free quote by contacting the agent directly for a no-pressure consultation.

Question 9

Can I still qualify if I have health issues?

Accepted Answer

Yes, depending on your situation, there are simplified and guaranteed issue policies available.

Question 10

Why should I work with you?

Accepted Answer

You're working with a licensed agent who specializes in Living Benefits and provides personalized, no-pressure service.

Question 11

Can I skip the quote and start an application right away?

Accepted Answer

Yes, you can call directly to begin the application process immediately with expert guidance.

Featured articles

Why Millenials Should Consider Living Benefits in Their Life Insurance Plan

Top 5 Life Insurance Companies That offer Living Benefits in 2025

What Are Living Benefits? How They Work in Life Insurance Explained

How Living Benefits Can Pay for Critical Illness, Disability, and Long-Term Care

Do You Qualify for Living Benefits Life Insurance? Requirements Explained

The Truth About Living Benefits: Pros, Cons, and Who Should Get Them

Why Millenials Should Consider Living Benefits in Their Life Insurance Plan

Can You Use Life Insurance While Alive? Understanding Living Benefits