Benefits for the life you're living now.
Most people think life insurance only matters after you're gone. Living benefits change that. They're designed to provide access to a portion of your death benefit during your lifetime, under qualifying conditions and subject to policy terms.
Designed for what life brings.
These riders are features you can add to a life insurance policy. Each is designed to help under qualifying conditions, always subject to policy terms.
Terminal Illness
Designed to provide access when a qualifying terminal prognosis is received.
Critical Illness
Designed to help when a covered critical health event occurs, subject to policy terms.
Chronic Illness
Designed to provide accelerated access when a chronic illness qualifies under the policy.
Critical Injury
Designed to help when a covered accidental injury qualifies under the policy.
Alzheimer's & Dementia
Designed to help when a qualifying cognitive diagnosis is received, where available.
Living benefits are policy riders and features that may provide access to a portion of the death benefit during the insured's lifetime under qualifying conditions, as defined by the policy. Availability, eligibility, and terms vary by policy, state, and carrier.
Ready to see what living benefits could mean for you?
Book a free, no-obligation conversation and let's explore whether a policy with living benefits fits your goals.