Modern Life Insurance
Not Your Grandparents' Insurance
Today's life insurance does more than protect your loved ones after you're gone. Living Benefits let you access your death benefit while you're still alive if you experience a qualifying illness or injury.
Get Your Free Living Benefits Guide
Learn how modern life insurance with Living Benefits can protect you and your family—both during your lifetime and after.
How Accelerated Benefits Riders Work
Understand the mechanics of accessing your benefits early.
Qualifying Conditions
Learn what conditions trigger Living Benefits access.
Real-World Examples
See how families have used Living Benefits in action.
Send Me The Guide
Fill out the form below and we'll send you our comprehensive Living Benefits guide.
Life's Uncertainties Are Real
These statistics show why having protection during your lifetime—not just after—is essential.
Every 40 seconds
A stroke occurs in the U.S.
6 in 10
Americans live with at least one chronic disease
2 million
New cancer cases estimated to be diagnosed in 2025
7.2 million
Americans living with Alzheimer's dementia
What Are Living Benefits?
Accelerated Benefits Riders are optional, no-additional-cost riders that may allow you to access all or part of your death benefit while living.
If you experience a qualifying terminal, chronic, or critical illness, critical injury, or a diagnosis of Alzheimer's Disease or Lewy Body Dementia, you can access your benefits.
Since these benefits are generally unrestricted, once you qualify, you can use the benefit for any reason.
You Could Use The Money For:
Qualifying Conditions
Living Benefits may be available if you experience any of these qualifying events.
Terminal Illness
Diagnosis with a terminal condition
Chronic Illness
Unable to perform 2 of 6 activities of daily living
Critical Illness
Heart attack, stroke, cancer, and more
Critical Injury
Severe injuries requiring extensive care
Ready to Protect Your Future?
Schedule a free strategy session to learn how Living Benefits can work for your specific situation.