Question 1

What are Living Benefits in life insurance?

Accepted Answer

Living Benefits let you access a portion of your life insurance death benefit while you're still alive if you’re diagnosed with a qualifying illness or condition.

Question 2

What types of conditions qualify for Living Benefits?

Accepted Answer

Conditions may include heart attack, stroke, cancer, chronic illness, and terminal illness. Each policy varies.

Question 3

How do Living Benefits work?

Accepted Answer

If you’re diagnosed with a qualifying condition, you can claim a portion of your policy’s death benefit for medical bills or daily expenses.

Question 4

Is there an extra cost for Living Benefits?

Accepted Answer

Many life insurance policies include Living Benefits at no additional cost.

Question 5

Can I use Living Benefits more than once?

Accepted Answer

Some policies allow multiple claims for different conditions, while others may only allow a one-time access.

Question 6

Do I have to be terminally ill to use Living Benefits?

Accepted Answer

No. Living Benefits can be used if you're diagnosed with critical or chronic illness, not just terminal conditions.

Question 7

Who is Living Benefits life insurance best for?

Accepted Answer

It's ideal for parents, homeowners, business owners, or anyone wanting financial protection during life, not just after death.

Question 8

How do I get a quote?

Accepted Answer

You can get a free quote by contacting the agent directly for a no-pressure consultation.

Question 9

Can I still qualify if I have health issues?

Accepted Answer

Yes, depending on your situation, there are simplified and guaranteed issue policies available.

Question 10

Why should I work with you?

Accepted Answer

You're working with a licensed agent who specializes in Living Benefits and provides personalized, no-pressure service.

Question 11

Can I skip the quote and start an application right away?

Accepted Answer

Yes, you can call directly to begin the application process immediately with expert guidance.

Sharon

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