Living Benefits are designed to maintain your families quality of life when you need it most.
In the event of a major chronic, critical or terminal Illness a cash benefit can be accessed to pay for care, travel, loss of income or any expense you choose.
Compare Traditional Critical Illness vs Term Life with Living Benefit
Chronic Illness – Eligible insured is unable to perform 2 of 6 activities of daily living for a period of at least 90 days or requires constant supervision to protect from threats to health or safety due to severe cognitive impairment.
Critical Illness – Eligible insured is diagnosed with one or more of 15 critical illnesses. (see list below)
Terminal Illness – Eligible insured is diagnosed with an illness or condition that is expected to result in death within 24 months or less. (12 months in FL and NY)