Life insurance isn't just about protecting your family after you're gone. Living benefits let you use part of your policy while you're still alive — if you're diagnosed with a chronic, critical, or terminal illness, or if you simply live longer than expected. It's protection for three of life's biggest what-ifs: dying too soon, becoming seriously ill, or outliving your savings.

We work with a portfolio of respected insurance carriers, including AuguStar, Corebridge, North American, Ethos, and others. Many hold strong financial strength ratings from independent agencies such as AM Best, and several have been protecting policyholders for decades — some for well over a century. On many of these carriers' permanent and term policies, living benefits are built in at no additional cost, so you get this protection without paying extra for it.

Availability of living benefits, riders, and specific terms vary by carrier, policy, and state. Your dedicated agent will walk you through exactly what's included and answer any questions about your specific policy.