Traditional life insurance only pays when you pass away. But what if your policy could help you while you’re still alive? That’s exactly what Living Benefits life insurance does.
With Living Benefits (also called accelerated benefit riders), you can access a portion of your death benefit early if you experience a qualifying health event—giving you financial support when you need it most.
Life can be unpredictable. A serious illness or injury can bring unexpected medical bills, lost income, and added stress. Living Benefits policies are designed to provide relief in those moments.
Here’s how it works:
Example: With a $500,000 policy, someone facing a major illness might access $400,000 upfront, while someone with a less severe condition might choose $100,000, keeping the rest of the benefit intact.
The key is flexibility—you’re in control.
Compared to old-style life insurance, Living Benefits offer more value at nearly the same cost:
In today’s world, it makes sense to choose a policy that protects you not only after you’re gone but also while you’re here.
Coverage varies by insurance carrier, but top Living Benefits policies often include riders for:
With up to 18 qualifying conditions, Living Benefits provide protection for many of life’s toughest challenges.
Here’s the best part: Living Benefits riders are usually included at no additional cost when added to a qualifying life insurance policy. That means you can upgrade your coverage without paying more than traditional life insurance.
At RetireSmart Financial LLC, we believe life insurance should do more than just protect your family after you’re gone—it should also protect you while you’re living. Our advisors will:
Living Benefits have been around for decades, yet many people still don’t know they exist. Don’t miss out on this modern upgrade to traditional life insurance.
👉 Schedule a free consultation with RetireSmart Financial LLC today and find out how Living Benefits can give you and your family greater financial security and peace of mind.
Life can be unpredictable, but your financial security doesn’t have to be. Modern life insurance offers more than protection—it can provide support during health challenges and create new opportunities for your retirement. Explore the benefits that go beyond the basics.
