Living Benefits Life Insurance

Get paid while you’re still living — if diagnosed with a critical, chronic, or terminal illness.

Living Benefits

Modern life insurance now lets you access your death benefit while you’re still alive if you’re diagnosed with a qualifying critical, chronic, or terminal illness.

Use the money for anything — medical bills, mortgage, college tuition, or simply maintaining your family’s lifestyle.

H.E.L.V

Human Economic Life Value (H.E.L.V) is the total future income you are expected to earn and provide for your family — adjusted for inflation, raises, and time value of money.

Most breadwinners in their 40s–50s have a Human Economic Life Value of $2M – $8M+. One unexpected illness can wipe that out — unless properly protected.

Real Family Scenario: With vs. Without Living Benefits

At Age 52, John Is Diagnosed with Cancer	With Living Benefits Policy	Traditional Life Insurance Only
Death Benefit	$2,000,000	$2,000,000 (only on death)
Living Benefit Access	$1,800,000 paid immediately	$0 — must die to collect
Family Outcome	Mortgage paid off, kids’ college funded, spouse stays home	Forced to sell home, spouse works 2 jobs, college delayed
Remaining Death Benefit	$200,000 still paid at death	$0 (already spent savings)

Bottom Line: Living Benefits turned a tragedy into a manageable transition — the family kept their home, lifestyle, and future intact.

Protect Your Family While You’re Still Here

Discover how Living Benefits can give your family financial security — no matter what life brings.

Schedule Your Free Consultation Now