Frequently Asked Questions

Q: What are Living Benefits in life insurance?

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.

Q: What types of conditions qualify for Living Benefits?

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

Q: How do Living Benefits work?

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.

Q: Is there an extra cost for Living Benefits?

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

Q: Can I use Living Benefits more than once?

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

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

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

Q: Who is Living Benefits life insurance best for?

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

Q: How do I get a quote?

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

Q: Can I still qualify if I have health issues?

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

Q: Why should I work with you?

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

1. What are Living Benefits in life insurance?

Living Benefits are features in certain life insurance policies that allow you to access a portion of the death benefit while you're still alive. These benefits can help cover medical expenses, loss of income, or other costs if you're diagnosed with a qualifying illness or condition.

2. What types of conditions qualify for Living Benefits?

Qualifying conditions typically include:

Heart attack
Stroke
Cancer
Chronic illness
Terminal illness
Each policy may vary, so I’ll help you understand what’s included before you apply.

3. How do Living Benefits work?

If you're diagnosed with a qualifying condition, you can file a claim to access a portion of your policy’s death benefit. The funds are paid directly to you and can be used for anything—medical bills, mortgage payments, or everyday living expenses.

4. Is there an extra cost for Living Benefits?

In many cases, Living Benefits are included at no additional cost with certain types of life insurance policies. I’ll help you find the best options based on your needs and budget.

5. Can I use Living Benefits more than once?

This depends on the policy. Some plans allow multiple claims for different conditions, while others may only allow one-time access. I’ll go over your options to make sure you understand exactly what you're getting.

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

No. Many people access Living Benefits after being diagnosed with a critical or chronic illness, not just terminal conditions. These benefits are designed to support you during a health crisis—not just at the end of life.

7. Who is Living Benefits life insurance best for?

It’s a smart choice for:

Parents
Homeowners
Business owners
Anyone who wants protection during life, not just after
If you’re looking for life insurance that can do more, Living Benefits are worth considering.

8. How do I get a quote?

Getting a quote or starting! contact me directly, and I’ll walk you through your options—no pressure, no obligation.

9. Can I still qualify if I have health issues?

Possibly. There are different types of policies available, including simplified and guaranteed issue options. I’ll help you find a policy that works for your situation.

10. Why should I work with you?

I’m a licensed insurance agent who specializes in Living Benefits. I take the time to explain your options clearly and recommend policies that make sense for your life, not just your legacy. I’ll be your guide from quote to coverage.

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

Yes! If you're ready to get started and prefer to skip the quote process, you can begin your application immediately by calling me directly at (479) 900-9000. I’ll walk you through everything you need and help you apply for the right coverage without delay.