Living benefits: access your life insurance while you're still alive
Most people think life insurance only pays out when you die. Living benefits change that. They let you access your policy while you're alive if you face a serious diagnosis.
How living benefits work
A living benefit is a rider on your life insurance policy. If you are diagnosed with a qualifying illness, you can request an accelerated payout of part or all of your death benefit. The money comes to you directly, with no restrictions on how you spend it.
You can use it to cover your mortgage, medical bills, household expenses, or anything else your family needs. The remaining death benefit still goes to your beneficiaries when you pass.
Living access
25–100%
Of policy benefit accessible immediately upon qualifying health events.
Three types of living benefit riders
Critical Illness
Heart attack, stroke, invasive cancer, and other life-altering diagnoses.
Chronic Illness
Long-term conditions that prevent you from performing basic daily activities without assistance.
Terminal Illness
A diagnosis with a life expectancy typically under 12 to 24 months.
Who needs living benefits
Modern coverage protecting your family whether you pass away or face a major medical diagnosis.
How it works in 3 steps
Get a quote
Tell our agent your coverage need. We compare 30+ carriers that include living benefits.
Choose your policy
Review the options and pick the plan with the right living benefit terms for your situation.
Your policy is active
If you ever face a qualifying diagnosis, you file a claim and access your benefit directly.
Living benefits FAQ
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25-100%
Of your death benefit accessible while you're alive