Living Benefits
Your life insurance can pay you while you're still alive
Most people think life insurance only pays when you die. Living benefits change that. With a living benefits rider, you can access a portion of your death benefit early if you face a serious illness — giving you financial support exactly when you need it most.
Terminal Illness Benefit
If diagnosed with a terminal illness with a life expectancy of 12–24 months, you can access up to 100% of your death benefit early to cover medical costs, final expenses, or anything else you need.
Critical Illness Benefit
Triggered by a major diagnosis such as heart attack, stroke, cancer, kidney failure, or major organ transplant. Access a portion of your benefit to cover treatment costs and lost income.
Chronic Illness Benefit
If you are unable to perform two or more activities of daily living (bathing, dressing, eating, etc.) due to a chronic condition, you can access funds to pay for long-term care or in-home assistance.
Why Living Benefits Matter
Get a Plan With Living Benefits
Ask about living benefits when you request your free quote.