Living Benefits
Insurance coverage that can pay out while you're still alive — not just after. Living benefits riders give you access to funds when a chronic, critical, or terminal illness changes everything else.
What are living benefits?
Traditional life insurance only pays out after you pass away. Living benefits (sometimes called accelerated death benefit riders) let you access a portion of your policy's death benefit while you're still living, if you're diagnosed with a qualifying chronic, critical, or terminal illness.
That means the same policy that protects your family's future can also help cover medical bills, lost income, or caregiving costs today — without taking out a loan or draining your savings.
Key benefits
Access a portion of your death benefit while living, for qualifying illnesses- No repayment required — it's an advance on a benefit you already own
- Funds can be used for anything: medical costs, mortgage, everyday bills
- Available as a rider on many term and permanent life policies
How it works
We start by reviewing your existing coverage (or building a new policy) to see whether a living benefits rider fits your situation and budget. If you're later diagnosed with a covered condition, you file a claim with supporting medical documentation, and an approved portion of the death benefit is released to you directly — while the remaining balance still protects your beneficiaries.
