How Living Benefits Works

Living Benefits let you access part of your life‑insurance policy while you’re still alive if you’re diagnosed with a qualifying critical, chronic, or terminal illness. Instead of waiting until death for the policy to pay out, Living Benefits allow you to receive money early — often when you need it most.

 

You’re diagnosed with a qualifying illness

This could be something like cancer, heart attack, stroke, organ failure, ALS, or a severe chronic condition that limits your ability to perform daily activities.

Having Living Benefits can make you feel protected, supported, and reassured knowing that if life ever takes an unexpected turn, you won’t have to face the financial burden alone.

You file a claim with your insurance company

Your doctor provides medical documentation showing the severity of your condition.

https://form.jotform.com/262826075510152

You receive a portion of your policy’s death benefit — early

You can use it for anything:

  • Medical bills

  • Travel for treatment

  • Mortgage or rent

  • Child care

  • Groceries

  • Replacing lost income

  • Keeping your household stable

There are no restrictions on how you spend it.