Living Benefits

Life insurance that pays benefits while you’re still alive.

Life Insurance with Living Benefits can provide a lump-sum payout if you experience a covered Critical, Chronic, or Terminal Illness. These cash benefits are paid directly to you, giving you the flexibility to use the funds however you need and helping to prevent the financial strain that often comes with a serious illness.

Below are the three major categories of coverage included with Living Benefits:

Critical Illness Mortgage Protection

If you’re diagnosed with a major illness like cancer, heart attack, or stroke, this coverage pays you a tax-free lump sum.

You can use it to keep your mortgage paid, cover medical costs, or replace income so you can stay in your home while you recover.

Chronic Illness or Disability

If you became seriously injured or disabled and couldn’t work, and needed help with two of the six daily living activities for more than 90 days, you could receive a payout.

This money can help cover your mortgage, car payment, or other household bills—giving you peace of mind during a difficult time.

Terminal Illness

If a doctor told you that you had 12 months left to live, this benefit allows you to access up to 100% of your death benefit while you’re still alive.

You can use the money however you need—medical costs, bills, or simply spending meaningful time with your family. It helps reduce financial stress so you can focus on what matters most.