Living Benefits
Access your own life insurance benefits while living.
Video: Living Benefits
Chronic Illness Living Benefits
Chronic Illness Living Benefits allow you to access a portion of your policy’s death benefit early if diagnosed with a chronic illness, such as the inability to perform two of six daily activities (e.g., bathing, eating) or severe cognitive impairment. These funds can cover medical costs, care services, or any other expenses, offering flexibility when you need it most.
Why Chronic Illness Living Benefits Matter
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Financial Flexibility: Use the funds for healthcare, living expenses, or any purpose without restrictions.
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Added Security: Manage chronic illness costs while maintaining financial stability.
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Holistic Protection: Integrated into our IUL and GUL policies, this benefit ensures your insurance adapts to life’s uncertainties.
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Peace of Mind: Know your policy not only protects your loved ones but also supports you through health challenges.
Critical Illness Living Benefits
Critical Illness Living Benefits allow you to access a portion of your policy’s death benefit early if diagnosed with a covered critical illness, such as cancer, heart attack, stroke, or other specified conditions. These funds can be used for medical expenses, treatment costs, or any other needs, giving you flexibility during challenging times.
Why Critical Illness Living Benefits Matter
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Financial Flexibility: Use the funds for healthcare, recovery, or any purpose without restrictions.
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Enhanced Security: Cover critical illness costs while preserving your financial stability.
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Comprehensive Coverage: Integrated into our IUL and GUL policies, this benefit ensures your insurance adapts to life’s uncertainties.
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Peace of Mind: Rest easy knowing your policy not only secures your family’s future but also supports you through serious health challenges.
Terminal Illness Living Benefits
Terminal Illness Living Benefits allow you to access a portion of your policy’s death benefit early if diagnosed with a terminal illness, typically defined as a condition with a life expectancy of 12 to 24 months or less. These funds can be used for medical care, personal expenses, or any other needs, offering flexibility during a difficult time.
Why Terminal Illness Living Benefits Matter
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Financial Freedom: Use the funds for healthcare, family support, or any purpose without restrictions.
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Financial Security: Ease the burden of terminal illness costs while maintaining stability.
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Holistic Protection: Built into our IUL and GUL policies, this benefit ensures your insurance supports you through life’s toughest moments.
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Peace of Mind: Know your policy not only protects your loved ones but also provides support when facing a terminal illness.