Living Benefits Explained

Living benefits are Accelerated Benefits Riders that are optional.

Most insurance companies provide these riders at no-additional cost.

These are riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury.

Chronic Illness Rider
Critical Illness or Injury Rider
Terminal Illness Rider

Disclaimer: Not all carriers offer living benefits.