Life Insurance
Term Life Insurance with Living Benefits
Some term policies include living benefits — riders that let you access part of the death benefit while you are still alive under qualifying circumstances.
Common triggers
Chronic, critical, or terminal illness diagnoses can each allow an early payout, depending on the policy.
Why it matters
Serious illness is one of the most common causes of financial hardship. Living benefits turn life insurance into a tool you can use before the worst-case scenario.
Have questions about this coverage?
Chaz Toomey is here to walk you through your options — no pressure, just clear guidance.