Broker Check
01 June
Living Benefits Life Insurance


Living benefit life insurance, also known as accelerated benefit life insurance, provides several advantages to policyholders. Here are some key benefits:

  1. Access to Funds During Illness:

    • Policyholders can access a portion of their death benefit while still alive if diagnosed with a terminal, chronic, or critical illness, helping cover medical expenses and other financial needs.
  2. Financial Flexibility:

    • The funds can be used for any purpose, such as paying off debts, covering living expenses, or making necessary lifestyle adjustments due to illness.
  3. Peace of Mind:

    • Provides peace of mind knowing that you have a financial safety net in place during a difficult time, reducing stress for you and your family.
  4. Preservation of Savings:

    • Helps protect personal savings and retirement funds from being depleted by medical expenses, allowing you to maintain your financial plans and goals.
  5. Supplemental Income:

    • Offers an additional source of income if you are unable to work due to illness, helping to maintain your standard of living.
  6. Estate Planning:

    • Enhances estate planning by providing liquidity to cover estate taxes, funeral costs, and other expenses, reducing the financial burden on your beneficiaries.
  7. No Restrictions on Use:

    • Unlike some other financial products, there are generally no restrictions on how the accelerated benefits can be used, giving you full control over the funds.
  8. Tax Advantages:

    • In many cases, the benefits received from living benefit riders are tax-free, although it's important to consult with a tax professional for specific advice.
  9. Affordable Addition:

    • Living benefit riders are often available at a relatively low cost when added to a life insurance policy, providing valuable coverage without a significant increase in premiums.
  10. Early Financial Relief:

    • Provides financial relief when it is needed most, helping to manage the costs associated with serious illnesses and improving the quality of life during challenging times.

Living benefit life insurance offers valuable protection and financial support, ensuring that policyholders and their families have the resources they need to navigate serious health issues without compromising their financial security.

Date and Time

June 1, 2024 - August 31, 2024

7:30p - 8:30p PST


Virtual brief video on demand


Living benefit life insurance is not your grandfather's life insurance; it offers modern, flexible financial solutions that address today's needs by providing access to funds during critical illness, offering peace of mind and financial stability when you need it most.


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