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Why are Living Benefits tied to your life insurance policy is so important?


  • According to Center for Disease Control and Prevention,

  • 6 in 10 American live with at least 1 chronic disease.

  • Approx. 39.5% of men and women will develop cancer in their lifetime.

  • A stroke occurs every 40 seconds in the US.

  • #1 reason for households file for bankruptcy is due to medical debt.

Living benefits to your policy are no-additional cost riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal illness, chronic illness, critical illness, critical injury, or a diagnosis of Alzheimer’s Disease or Lewy Body Dementia.


Since these benefits are generally unrestricted, once you qualify, you can use them for any reason.

Benefits might be used for, but are not limited to:

Household expenses

Adult Day Care

Home modifications

Regular bills

Nursing home care

Quality of life expenditures

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Centers for Disease Control and Prevention
National Cancer Institutes,, 09/25/20
Centers for Disease Control and Prevention,, 9/6/20
The balance Medical Bankruptcy and the Economy,affected%20by%20their%20medical%20expenses

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