Life insurance with living benefits offers protection against life interrupted
CONTRA COSTA COUNTY, CA (Nov. 17, 2023) — Life insurance is not considered sexy. The following scenarios are also not sexy: battling cancer, losing the ability to work and seeing your income vanish, or facing the heart-wrenching decision to uproot your family because the main provider has died – making mortgage payments untenable.
What if you didn’t have to worry about your finances when life gets interrupted by the unexpected and unplanned? Enter modern life insurance policies with living benefits.
This is life insurance you don’t have to die to use. These value-added benefits offer a direct lifeline to policyholders during life’s most challenging times.
Traditional life insurance ensures beneficiaries receive a payout upon the policyholder’s demise. Life insurance with living benefits goes a step further. It allows policyholders to access a portion of the death benefit under certain conditions, such as terminal, chronic or critical illnesses, even while they’re still alive. When a severe medical condition interrupts work and creates financial stress, living benefits can provide essential financial relief.
Living benefits bring financial support during health crises, preventing policyholders from being overwhelmed by medical expenses and lost income. These benefits enhance the value of modern policies by offering protection that extends beyond the holder’s death.
They adjust to life’s unpredictable nature, ensuring flexibility during times that might lead to unexpected long-term care needs. Having financial backing during major health challenges can be transformative, ensuring peace of mind and allowing the policyholder to focus on recovery.
Well-rounded protection
Life insurance with living benefits is about well-rounded protection. As both the financial and health-care landscapes continue to evolve, the relevance of such insurance features grows. They ensure that policyholders and their families are prepared to face life’s unpredictable challenges.
Now’s the time to act. Consider life insurance that will stand beside you, shielding you when life takes an unexpected turn and you’re still present to face its challenges.
It’s not merely about protection after life but also about safeguarding during life’s most demanding moments.
Anna Febiana is a Life Insurance & Living Benefits Specialist, an independent agent with National Life Group. She offers policies that can prevent financial ruin, provide tax free retirement and fund college education. Email comments and questions to febiana.anna@gmail.com
Anna Febiana
Anna Febiana is a Life Insurance & Living Benefits Specialist, an independent agent with National Life Group. She offers policies that can prevent financial ruin, provide tax free retirement and fund college education.