Protection that’s there when life happens—not just after it.

Traditional life insurance only pays out after death. But with Living Benefits, your policy can support you while you’re still alive—when you need it most.

Living Benefits Life Insurance includes powerful built-in or optional riders that allow you to access a portion of your death benefit early if you experience a qualifying medical event. Whether it's a serious illness, injury, or cognitive impairment like Alzheimer's disease, this modern approach to life insurance is designed to protect your life, lifestyle, and legacy.

What Are Living Benefits?

Living Benefits provide early access to your life insurance death benefit if you're diagnosed with a qualifying condition, often with no additional cost to add the riders. These benefits can help cover:

  • Medical bills

  • Long-term care

  • Home modifications

  • Lost income

  • Family travel expenses

  • Caregiver costs

  • And more

Common Living Benefit Riders

Here are the most comprehensive riders available through our top-rated carriers:

🧠 Chronic Illness Rider (Including Alzheimer’s & Dementia)

Access your benefit if you’re unable to perform at least two of the six Activities of Daily Living (ADLs)—bathing, dressing, eating, toileting, continence, and transferring—or if you’re diagnosed with a severe cognitive impairment such as Alzheimer’s disease or advanced dementia.

✅ Helps with long-term care costs
✅ Can provide monthly payments or lump sum
✅ No need for separate long-term care insurance

❤️ Critical Illness Rider

Provides a payout if you're diagnosed with a covered serious illness, which may include:

  • Heart attack

  • Stroke

  • Cancer

  • Kidney failure

  • Major organ transplant

  • ALS (Lou Gehrig’s Disease)

  • Severe burns

✅ Use the money however you need during recovery
✅ Reduces financial strain during high medical expense periods

🚑 Critical Injury Rider

Covers severe accidental injuries, such as:

  • Traumatic brain injury

  • Paralysis

  • Coma

  • Severe burns

✅ Helps cover unexpected costs from life-altering injuries
✅ Provides flexibility for rehabilitation or home care

🛌 Terminal Illness Rider

If you’re diagnosed with a terminal illness and given a life expectancy of 12–24 months (varies by carrier), you can access part of your death benefit while still alive.

✅ Use funds to travel, settle affairs, or spend time with loved ones
✅ Available on most life insurance policies

Why Living Benefits Matter

  • Peace of mind: Know you’re covered if life takes an unexpected turn.

  • Financial control: Get funds when you need them most.

  • Protect your family: Avoid draining savings or retirement accounts during health crises.

  • Maintain dignity: Cover in-home care or choose your treatment path without relying on others.

Let’s Customize a Plan for You

At Life Legacy National Insurance Services, we specialize in finding policies with strong living benefit features that fit your budget, goals, and health profile. Whether you're just starting your protection plan or reviewing an existing policy, we're here to guide you every step of the way.

📞 Call us today at 818-696-6750 for a personalized consultation
Or explore our easy-to-use tools to compare quotes and learn more.