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Living Benefits
Access your life insurance before you pass — for critical illness.
What it is
Living Benefits riders allow you to accelerate a portion of your death benefit if you're diagnosed with a critical, chronic, or terminal illness.
How it works
Included with many modern term and permanent policies at no additional premium.
Who it's for
Anyone who wants coverage that works while they're still alive.
Key Benefits
- Access funds during critical illness
- No restrictions on how funds are used
- Often included at no extra cost
- Covers heart attack, stroke, cancer, and more
Frequently Asked Questions
Do I have to pay it back?+
No — it's an acceleration of your own death benefit, not a loan.
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