Living Benefits Riders.
More Critical Than Ever.
Your life insurance can do far more than protect your family after you're gone. With living benefits riders, it can protect you while you're still here -at no extra premium.
The World Changed.
Your Coverage Should Too.
In our unpredictable world, thoughtful financial planning means preparing for life's "what if's" -especially health challenges that can disable you.
Emerging conditions like Post-Vaccine Syndrome, with symptoms such as persistent fatigue, brain fog, myocarditis, and autoimmune disease, remind us how important it is to have flexible, reliable protection in place.
That's where life insurance with living benefits shines. Newer policies include no-additional-cost riders that let you access a portion of your death benefit while you're still living, if you face a qualifying event.
Access Your Death Benefit While You're Alive
If you face a qualifying critical, chronic, or terminal illness, you can access a discounted portion of your death benefit -turning your policy into a living financial tool.
No Extra Premium on Eligible Policies
These riders come built into many modern policies at no additional cost, turning traditional life insurance into a versatile tool for lifetime needs.
Four Layers of Protection
Each rider addresses a different type of qualifying event, together covering the full spectrum of serious health challenges you may face.
Critical Illness Rider
Accelerated benefits triggered by diagnoses including cancer, heart attack, stroke, major organ transplant, ALS, end-stage renal failure, and more. Coverage varies by state.
Chronic Illness Protection
Access benefits if you're unable to perform 2 of 6 activities of daily living -bathing, dressing, eating, and more -or have severe cognitive impairment. Designed for long-term or debilitating conditions.
Critical Injury Rider
Support for traumatic qualifying events such as paralysis, severe burns, and coma -providing financial relief during recovery from sudden, life-altering injuries.
Terminal Illness Option
If diagnosed with a life expectancy of 24 months or less, access benefits early to cover care costs, settle affairs, or simply focus on quality of life and loved ones.
Lump-Sum or Periodic Payments.
Living benefits complement disability planning by offering flexible payment structures -covering medical costs, income gaps, or ongoing care without the typical limitations of standalone disability policies.
