Today on Talk Money to Me, we’re talking about a life insurance feature that most people don’t even realize exists: living benefits.

What Are Living Benefits? These are riders or built-in features that allow you to access a portion of your death benefit while you’re still alive if you experience a critical, chronic, or terminal illness.

Real-Life Scenarios Imagine you’re diagnosed with cancer and can’t work. With living benefits, you can tap into your policy to cover expenses—without touching your savings or going into debt.

Why It Matters Living benefits turn life insurance into a financial lifeline. It’s not just for what happens after you’re gone—it’s protection for your quality of life now.

Life insurance that pays while you're alive? That’s the kind of modern protection more people need to know about.

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