Protect What Matters.
Build What Lasts.
Life insurance can help protect the people you care about, support your financial goals, and create a stronger foundation for the future. Certain policies may also provide Living Benefits when qualifying health events occur.
Protection That Can Help While You're Living
Life insurance isn't always just about what happens after you're gone. Certain policies may provide access to a portion of your benefit during your lifetime when qualifying health conditions or events occur.
Living Benefits can allow you to access a portion of your life insurance benefit while you are still living if you experience certain qualifying health conditions or events. Depending on the policy and carrier, these benefits may provide financial support during a serious health event and may help with medical bills, mortgage or rent, everyday living expenses, lost income, or other financial needs.
Terminal Illness Benefit
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If you are diagnosed with a qualifying terminal illness and meet the policy requirements, you may be able to access a portion of your death benefit while living. This can provide financial flexibility during an especially difficult time.
Critical Illness Benefit
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A qualifying serious illness—such as a heart attack or stroke, depending on the policy—may allow you to access part of your death benefit. The funds may help with medical expenses and other financial obligations while you focus on recovery.
Chronic Illness Benefit
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If a qualifying chronic illness leaves you unable to perform certain activities of daily living, you may be eligible to access a portion of your policy's benefit. This can help with ongoing care and living expenses.
Critical Injury Benefit
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Certain policies may provide benefits following specified qualifying injuries or traumatic events. If eligible, the benefit can provide financial resources while you recover.
Why Living Benefits Matter
Life insurance traditionally helps protect the people you leave behind. Living Benefits can add another layer of protection by potentially providing financial resources while you're still here.
Think of it as:
Living Benefits are not automatically included with every life insurance policy. Availability, eligibility, qualifying conditions, limitations, and the amount available vary by policy and insurance company.
D.I.M.E. Life Insurance Calculator
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Term Life Insurance
This information is provided for general educational and informational purposes only and is not intended to constitute financial, tax, legal, or insurance advice.
Product features, premiums, underwriting requirements, exclusions, limitations, availability, and contractual provisions vary by insurance carrier, policy, and state.
Index Universal Life (IUL) is not a direct investment in a stock market index. Interest-crediting methods may include caps, participation rates, floors, spreads, policy charges, and other provisions.
Fixed Indexed Annuities (FIAs) are insurance contracts and are not direct investments in the stock market. Guarantees are subject to the claims-paying ability of the issuing insurance company. Contractual features, surrender periods, withdrawal provisions, and other limitations may apply.