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.

What types of conditions qualify for Living Benefits?

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

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.

Is there an extra cost for Living Benefits?

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

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.

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.

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.

How do I get a quote?

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

Can I still qualify if I have health issues?

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

Why should I work with you?

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

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

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

Privacy

Effective Date: 4/16/2025

Thank you for visiting our website. We value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and protect your data when you interact with our site.

1. Information We Collect

We may collect personal information when you:

Submit a form on our website
Call us directly or leave a voicemail
Interact with us via email or text

The types of information we collect may include:

Name
Phone number
Email address
Zip code
Other details relevant to your insurance needs

2. How We Use Your Information

We use the information you provide to:

Contact you regarding your interest in living benefits and life insurance products
Provide personalized insurance quotes
Schedule consultations with licensed insurance agents
Improve our website and customer service experience

3. Sharing Your Information

Your information may be shared with:

Licensed insurance agents who are part of our network
Third-party service providers who help us manage customer communication

We do not sell your information to third parties.

4. Data Security

We implement industry-standard security measures to protect your information from unauthorized access, alteration, disclosure, or destruction.

5. Your Choices

You may:

Request to update or delete your personal information at any time
Opt out of future communication by contacting us directly

6. Contact Us

If you have any questions or concerns about this Privacy Policy or how your data is handled, please contact us at:

Living Benefitx
hi@livingbenefitx.com
470-203-0029

7. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.