Life Insurance
Living Benefits
Policies providing financial support during your lifetime for retirement supplementation or unexpected expenses like critical illness.
Get a QuoteBenefits While Living
Living Benefits Coverage
Traditional life insurance only pays when you die. But what if you face a serious illness and need money now? Living benefits (also called accelerated death benefits) allow you to access a portion of your death benefit while you're still alive.
Many modern life insurance policies include living benefit riders at no additional cost. These riders allow you to receive money if you're diagnosed with a qualifying condition, helping you cover medical expenses, replace lost income, or simply enjoy your remaining time.
Types of Living Benefits
Critical Illness Benefit
Access a portion of your death benefit if diagnosed with a covered critical illness like cancer, heart attack, or stroke.
Chronic Illness Benefit
Receive benefits if you're unable to perform activities of daily living or have severe cognitive impairment.
Terminal Illness Benefit
Accelerate your death benefit if you're diagnosed with a terminal illness with a limited life expectancy.
Long-Term Care Benefit
Use benefits to pay for nursing home care, assisted living, or home health care services.
Advantages of Living Benefits
Get Living Benefits Quote
Fill out this form to learn about living benefits options.
Life Insurance That Works for You Now
Get life insurance with living benefits that can help you when you need it most.