Critical Illness
Some policies may provide access to a portion of the death benefit following a qualifying critical illness, subject to the rider's definitions and requirements.
Living Benefits
Life insurance protection you may be able to use while you're living.
Certain life insurance policies include living benefit features that may allow you to access a portion of the death benefit during your lifetime after a qualifying illness or medical condition.
Coverage highlights
Protection that may extend beyond the death benefit.
Living benefits can provide another layer of financial protection when a qualifying health event creates expenses or changes your ability to work and manage everyday financial responsibilities.
Chronic Illness
Certain policies may provide benefits when a qualifying chronic illness affects your ability to perform specified activities of daily living or otherwise meets the policy's requirements.
Terminal Illness
A terminal illness benefit may allow access to a portion of the policy's death benefit when the insured meets the policy's definition of terminal illness.
What to Consider
When this coverage may be worth considering.
- You want life insurance that may provide benefits during your lifetime as well as a death benefit.
- You're concerned about the financial impact a serious illness could have on your household.
- You want protection that may be available following a qualifying critical, chronic, or terminal illness.
- You value additional financial flexibility if a qualifying health event occurs.
WHAT WE CAN HELP YOU COMPARE
Understand how living benefits can differ by policy.
Qualifying Events
Compare the illnesses or medical conditions that may qualify for benefits and how those events are defined by the policy.
Benefit Amounts
Understand how much of the death benefit may be available and how the amount is determined.
Rider Features
Compare living benefit riders, eligibility requirements, limitations, and other provisions that may vary by policy.
Impact on the Policy
Understand how accessing living benefits may affect the remaining death benefit and other policy values or benefits.
No-pressure guidance
Life insurance can be about protecting today as well as tomorrow.
Talk with us about the protection you want your life insurance to provide, and we'll help you explore options that may include Living Benefits.