Certain life insurance policies may offer features that can provide access to benefits during your lifetime, if qualifying conditions occur.
Living benefits are policy features or riders that may allow access to a portion of the death benefit during your lifetime when qualifying conditions are met — depending on the policy and its terms.
Traditional protection
Support for loved ones after you’re gone.
Plus living benefits
Potential support for you, during qualifying situations.
01
A serious health event can change plans in an instant.
02
The situation meets the definitions in the policy or rider.
03
A portion of the benefit may become available while you’re living.
Hover or tap a card to learn more.
Certain qualifying chronic conditions may provide access to benefits under applicable riders.
Such as needing help with activities of daily living, as defined by the rider — helping support care and independence.
Certain qualifying critical illnesses may provide access to benefits under applicable riders.
Such as a qualifying heart attack, stroke, or cancer diagnosis, as defined by the rider — helping you focus on recovery.
Certain policies may allow accelerated access to a portion of the death benefit when qualifying terminal illness conditions are met.
Funds that can help you and your family make meaningful choices, together.
Availability, definitions, eligibility, and benefit amounts depend on the policy and applicable rider provisions, and vary by carrier and product.
For your family’s future.
For qualifying moments along the way.
Living benefits can complement traditional protection, helping your coverage support both your family’s future and your own flexibility during qualifying circumstances.
A Real-Life Perspective
Preparedness gives you room to focus on living well.
Each Foundational Protection strategy plays a distinct role. Together, they can form a thoughtful, layered plan.
Protection for the years that matter most.
ExploreProtect the home and the plan behind it.
ExploreHelp simplify the financial burden left behind.
ExploreProtection that can matter while you’re living.
