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.

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Effective Date: 4/16/2025

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