Life Insurance With Living Benefits

Access your death benefit early if you face a serious illness.

Overview

What it is, in plain English

Living benefits riders let you access part of your death benefit while you're still living if you're diagnosed with a qualifying critical, chronic, or terminal illness. It turns a death benefit into a financial safety net you might actually use during your lifetime.

Is it right for you?

Life Insurance With Living Benefits tends to fit people who…

Want protection that works while you're alive
Worry about the cost of a serious illness
Want more than a traditional death benefit
Are building a complete financial safety net

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Critical illness access

Tap your benefit after a qualifying diagnosis.

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Chronic & terminal riders

Coverage that adapts to serious health events.

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Often included

Many modern policies offer these riders at little or no extra cost.

Good to know

Common questions

What illnesses qualify?

Typically serious conditions like heart attack, stroke, cancer, and qualifying chronic or terminal diagnoses. Exact triggers vary by carrier and rider.

Does using living benefits reduce the death benefit?

Yes — any amount you access early is subtracted from the death benefit your beneficiaries receive.

Do all policies include this?

No, but many modern policies offer living benefits riders. We'll point you to carriers that include strong ones.

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