Living Benefits can be added to many term and/or permanent insurance policies. With living benefits, life insurance proceeds can be used by you in the event of a catastrophic illness or injury. It can replace your income in the event of a disability, pay your medical bills or help check off experiences on your bucket list if you are diagnosed with a terminal illness. There is even a way to add "return of premium" to some policies so that if none of these things happen, you receive all of the premium you've paid in, back in a lump sum after a period of time. Ask about life insurance with living benefits when we talk.
