Expertly crafted policies
If You Needed Cash Tomorrow, Would Your Life Insurance Help?
Access your benefits while you’re still alive. Get help when it matters most — from cancer to heart attack to dementia.
49%
of Americans carry medical debt or have outstanding medical bills
69%
of life insurance owners feel financially secure vs. 41% of non-owners
Living Benefits let you tap into your life insurance to cover medical care, everyday expenses, or your mortgage while you focus on healing.
Benefits you can use
DURING YOUR LIFETIME
When the unexpected happens, life insurance with Living Benefits, provided by Accelerated Benefits Riders (ABRs),may provide financial support during your lifetime.
ABRs are optional, no- additional cost riders that allow you to access a portion of your death benefits, on a discounted basis, to be accelerated during your lifetime if you experience a qualifying terminal illness, chronic illness, critical illness, or critical injury — or a qualifying diagnosis of Alzheimer’s disease or Lewy Body Dementia.
Will Your Insurance cover Medical and living expenses?
FAQs
What is annuity life insurance?
Annuity life insurance is a financial product that combines a life insurance policy with an annuity component. It provides a death benefit for your beneficiaries and can also offer living benefits—allowing you to access funds while you're still alive under certain conditions..
How does an annuity life insurance policy work?
You pay premiums into the policy, and over time, it accumulates cash value. This value can be converted into guaranteed income payments for life (an annuity) or accessed in times of need (e.g., critical illness, long-term care, or retirement).
What are the “living benefits” of this policy?
Living benefits allow you to access a portion of your death benefit early if you’re diagnosed with a terminal illness, suffer a critical or chronic condition, or need long-term care. This helps provide financial support when you need it most.
Who should consider annuity life insurance?
This type of policy is ideal for individuals over 45 who want:
A tax-advantaged way to save for retirement
Protection for their loved ones
Access to funds in case of a health emergency
A source of guaranteed lifetime income.
Can I still access my money if I need it early?
Yes. Many policies allow early withdrawals from your cash value or through living benefits riders—though doing so may reduce your death benefit or come with tax implications.
How is this different from a traditional term life insurance policy?
Unlike term life insurance, which only pays a death benefit if you pass during the term, annuity life insurance builds cash value and can provide benefits while you’re alive—making it a dual-purpose policy.
Your Safety Net for the Unexpected
Cancer
Heart Attack
Stroke
Alzheimers
Diagnosis of ALS
Aorta Graft Surgery
End-Stage Renal Failure
Lewy Body Dementia
and more...
Get Coverage That Works for the Living, Not Just the Lost:
Adult Day Care
Daytime care offering social activities, meals, and supervision for seniors—supporting independence while caregivers are at work or need respite.
Assisted Living Care
Supportive housing for seniors who need help with daily tasks like bathing, meals, and meds—promoting safety, dignity, and independence.
In-Home Care
Personalized care delivered at home—help with meals, hygiene, meds, and companionship, allowing seniors to age safely in familiar surroundings.
Real Stories. Real Protection.
Samantha L.
52, Arizona
When I was diagnosed with breast cancer, I thought my only option was to start draining my savings. I didn’t know my life insurance could help me while I was still here. Thanks to the Living Benefits, I was able to cover treatment and take time off work to recover without financial stress.
Anthony M.
58, Texas
After my heart attack, the last thing I wanted to think about was bills. But the Living Benefits gave me access to part of my policy so I could pay my mortgage and stay afloat while I recovered. It truly saved me.
Rachel G
43, Florida
My mother was diagnosed with Lewy Body Dementia, and we didn’t know how we were going to afford her care. Her policy had Living Benefits — something I didn’t even realize existed. That money helped us get her into the right facility and gave her dignity in her final years.
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