Life Insurance You Don’t

Have to Die to Use

Protect your income and your family from the financial impact of sudden illness.

What Are Living Benefits?

Traditional life insurance pays out upon death. But what happens if you survive a heart attack, stroke, or cancer? Medical bills and lost income can be financially devastating.

Some policies can include Living Benefits that may allow you to access a portion of your death benefit early if you experience a qualifying critical, chronic, or terminal illness.

How It Can Help

Critical Illness

Potential lump sum support after a

major health event.

Chronic Illness

Potential help covering costs of care if you cannot perform daily activities.

Terminal Illness

Potential access to funds to get your affairs in order or seek treatment.

Pairing Options

Living Benefits are often positioned alongside:

Indexed Universal Life (IUL)

Term Life Insurance

Mortgage Protection strategies

Want Coverage That Protects You While You’re Living?

Share your goals and we’ll follow up with next steps.

Request Living Benefits Info

Donald Cunningham is an independent agent representing various insurance carriers through Freedom Equity Group. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. This website is for informational purposes only and should not be construed as tax or legal advice.