Living Benefits

More Than a Death Benefit

Life insurance isn’t just for protecting your loved ones after you’re gone—it can also provide living benefits while you’re alive. Certain policies allow you to access cash value, cover critical or chronic illness expenses, or supplement retirement income. This means life insurance can help you stay financially secure throughout your life, not just at the end.

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Many Ways to Benefit

Cash Value

Cash value grows inside your permanent life insurance policy over time, tax-deferred. You can access it through withdrawals or loans to help cover emergencies, supplement retirement, or fund major expenses. It gives your policy added flexibility beyond just the death benefit.

Return of Premium

Some term or universal life policies offer a return of premium option, which refunds the premiums you’ve paid if you outlive the policy or meet certain conditions. It acts as a savings mechanism while keeping your coverage in place.

Accelerated Death Benefits

An ADB allows you to access a portion of your death benefit if diagnosed with a qualifying illness. This can help cover medical bills, living expenses, or other costs during a difficult time. It provides financial support when you need it most.

Long-Term Care

Life insurance with long-term care features—whether a rider or a linked-benefit policy—can help cover costs like in-home care, assisted living, or nursing facilities. This protects your savings and helps you get the care you need without burdening your loved ones.

Featured Life Solutions

Indexed Universal Life for Retirement

IUL is a powerful retirement tool, providing tax-deferred growth and the potential for tax-free withdrawals. By structuring the policy to minimize the death benefit and maximize cash value, you can build a retirement fund while keeping protection in place. The cash value grows based on a market index with no downside risk, giving flexibility and long-term financial security.

Indexed Universal Life for Mortgage Protection

IUL can also be used to protect your home and family, offering a death benefit in case of an untimely passing. Many policies include options like return of premiums after 20 or 25 years, and the cash value can be accessed for remodeling, emergencies, or property taxes. Accelerated Death Benefits further provide protection if you face serious illness, making it a versatile tool for both income replacement and home security.

Linked-Benefit for Long-Term Care

Linked-benefit policies combine life insurance with long-term care coverage, allowing you to use the death benefit or policy value to pay for in-home care, assisted living, or nursing facilities. This type of coverage helps protect your savings and ensures you can get the care you need without burdening your family. With long-term care costs rising, having a plan in place can provide peace of mind and financial security throughout retirement.