Coverage that works while you're still living.
A modern life insurance policy should protect you against the events statistically most likely to derail your finances: critical illness, chronic illness, and terminal diagnosis. Living benefit riders let you access a portion of the death benefit early, tax-free.
Benefits
Cash on hand after a heart attack, stroke, cancer diagnosis, or organ transplant.
Address long-term care needs without depleting savings.
Access the death benefit early to focus on family and treatment.
FAQ
Many top carriers include them at no additional premium; enhanced riders may add modest cost.