Living Benefits – Life Insurance You Don’t Have to Die to Use

Living Benefits are affordable and are provided through a custom tailored life insurance policy. When most individuals consider life insurance, they choose a product to fit their needs for the purposes of estate, retirement planning or “final expense” strategies. Living Benefits challenges current ways of thinking by providing an option that you don’t have to die in order to utilize.

Living Benefits policies can be written and structured to provide you and your family much needed financial assistance while surviving a qualifying condition during your lifetime. That is our specialty.

Experiencing a qualifying condition can enable you to access the cash value by accelerating the death benefit for your own use while you are still living. This is referred to as “Living Benefits” and may be the best-kept secret of life insurance. We’re excited to share this opportunity now available to Firefighter & First Responder families!

How do Living Benefits serve me and my family?

If you were to experience a qualifying critical, chronic, or terminal illness — such as cancer, heart attack, or stroke to name a few — you would have the option to collect or accelerate a portion of your death benefit to help pay expenses associated with your illness. Accelerated benefits are received tax-free and in a lump sum – Living Benefits are not a loan!

The amount of money your beneficiary would receive as part of your death benefit would be reduced by the accelerated amount. Having the option to accelerate your death benefit funds could be a critically important step in supporting you and your family through an unexpected health crisis. Living Benefits can be the game changer to enjoy a long and healthy life after your illness.

Living Benefits Brochure & Information