life insurance you don't have to die to use


Click to watch a short video and learn more about Living Benefits

Are you still protecting your family and finances with the “old kind” of life insurance that only pays out if you die?

Living Benefits life insurance is the new, evolved kind of life insurance. With Living Benefits, you have the power to accelerate your death benefit while you’re still living if you suffer a heart attack, cancer diagnosis, stroke, or any other Critical, Chronic, or Terminal illness.

This ability can help save your financial life, and helps protect you from the cause of 50% of the bankruptcies in the U.S. every year – medical bankruptcy following a critical illness.

It comes down to one simple question: do you want the option to access your death benefit when you need it most, or not?

Ok, Aldo, lay it on me. How much more do these Living Benefits cost than a "normal" life insurance policy?
My answer? Not a dime!

These potentially life-saving Living Benefits come at no additional cost to the consumer. They're "baked in" to the policy, and the features themselves add no cost whatsoever. In many cases, Living Benefits policies can be added at the same (sometimes even lower) cost than a comparable policy that doesn't include Living Benefits coverage.

Seems too good to be true, right? It's really not.

Living Benefits represent an evolution in life insurance. It's simply a better, more modern type of protection that offers options that the "old kind" of death-benefit-only policies don't have.

Scheduling a free, no-obligation conversation is quick and easy.

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How Living Benefits Work

New Kind vs. Old Kind

Most people know about the old kind of life insurance – but did you realize that your life insurance policy should be covering you for much more than just death? If your policy doesn’t include free Living Benefits, you’ve got the wrong stuff!

Medical Bankruptcy

Medical bankruptcy has silently been destroying American families for years. Over half of the bankruptcies in the US every year are due to unexpected medical bills following a sudden illness or injury. Learn about the one easy, inexpensive step those families could have taken to protect themselves, and how you can take action before it’s too late.

Living Benefits: Explained

Living Benefits have been around for 20 years, yet most Americans still don't know what they are or what they do. Living Benefits allow policy-holders to access their death benefit to get money in their hands when they need it most if they suffer a heart attack, stroke, cancer, or other qualifying illness. And the best part is, these benefits come at NO EXTRA COST.


Living Benefits Stories

Living Benefits Testimonials

Living Benefits have been around for 20 years, yet most Americans still don't know what they are or what they do. Living Benefits allow policy-holders to access their death benefit to get money in their hands when they need it most if they suffer a heart attack, stroke, cancer, or other qualifying illness. And the best part is, these benefits come at NO EXTRA COST.

"I tell everyone I know about Living Benefits."

When busy mom and small business owner Natalia Oliveira began feeling pain in her back that wasn’t going away, she went to the doctor to get it checked out. Cancer was the furthest thing from her mind. Watch as Natalia shares the story of her diagnosis and ensuing battle with Hodgkins lymphoma. Her Living Benefits life insurance policy kicked in to put $280,000 in her hands, saving her family and business from financial ruin.

"The most important thing you can do for your family."

Carol and Darryl Mosley thought they had all of their boxes checked. They owned life insurance. But their policies were the "old kind" of life insurance - traditional policies that only pay out upon the death of the policyholder. Luckily, their agent reached out to them and introduced them to Living Benefits, a new kind of life insurance that added the ability for Carol and Darryl to access their policy's benefits while they were still alive if they were to suffer a major illness or injury. Their choice to upgrade to Living Benefits-enhanced coverage would soon prove to be a crucial decision.

"All that stress just evaporated instantly."

When Amanda Thomas was diagnosed with thoracic cancer shortly after delivering their fourth child, her family’s world was turned upside down. She would spend a year out of work while undergoing grueling chemo treatments. Her job dropped her from their health insurance. Her paychecks stopped coming in. Meanwhile, the medical expenses were piling up. Thankfully, Amanda and her husband Eugene had prepared for this very situation back when she was healthy by putting a Living Benefits life insurance plan in place for their family. Utilizing her policy’s built-in Critical Illness rider, Amanda was able to accelerate $405,000 of her life insurance policy's death benefit to get a tax-free check for $343,000 in her hands.

"You just don't know what tomorrow brings."

Kevin Hay was a perfectly healthy man in his 40's, running a successful chiropractic practice and raising six kids with his wife, Shannon. He started funding an IUL policy with Living Benefits as a means to plan for retirement. Kevin had no way of knowing how that decision would wind up shaping the future of his family for generations to come. Watch as Shannon tells the story of the three separate times that Kevin's IUL plan sprang into action for his business and his family when it was needed the most.

“This is your future that you're thinking about.”

Latasha McCray had all of her ducks in a row - she was in perfect shape, had a great job and a financial plan for the future. But when a breast cancer diagnosis turned her world upside down, Latasha found all of her well-laid plans crumbling around her. Watch as Latasha tells the story of how her Living Benefits life insurance plan sprung into action at the time she needed it most, leaving her plenty of money to replace her lost income and pay for all of her medical treatments en route to a full recovery.

"It lifted a burden."

Elizabeth Martinez Genova was busy living her life to the fullest. She had served in the military, graduated law school, raised a wonderful son, and spent her spare time traveling the world and exploring different countries and cultures. When her friend Alberto Carballeira approached her about Living Benefits life insurance, she was hesitant at first. But after learning about how Living Benefits could allow her to access her death benefit while she was still living if she ever got sick, Elizabeth saw the value in it and put a policy in place for herself. That decision would prove to be one of the most important and impactful choices she ever made.

"It saved the house. It saved us financially."

Jim Johnston was healthy – he surfed, he golfed, and was active. He had no reason to think he was going to get diagnosed with cancer. When he discovered a lump under his jawline while shaving, his world was changed in an instant. Watch as Jim and his wife Anne relive his unexpected throat cancer diagnosis, and how his Living Benefits life insurance policy ultimately saved them from financial disaster.

"You don’t know what’s around the corner."

Cornelia Steinberg didn’t think she needed life insurance. Her ex-husband earned good money in his job, and she figured that if anything ever happened to her, her daughter would be well taken care of. However, once Cornelia’s friend and adviser explained the reasons that owning Living Benefits life insurance made sense for her, Cornelia immediately saw the value as a “no-brainer”. A few months later, that decision proved to be, as she says in the video, one of the best she’s ever made.

"Like a light in the dark."

Brutally attacked at her place of employment as she pulled into work one Monday morning, Heilyn Hernandez Pages was doused in gasoline and set on fire. The attack left her with severe burns covering the majority of her body. Heilyn’s miraculous road to recovery would prove to be a costly one, requiring multiple graft surgeries and occupational therapy to regain full mobility. She was unable to work while in the hospital, and her income dropped to zero. As the sole provider for her household, which includes her young daughter and both of her parents, Heilyn was able to avoid financial ruin by accelerating $425,000 from her Living Benefits term policy. As fate would have it, she had set the policy up only nine months before the attack took place.

"I was so happy I made the right decision."

Joelma Dias wasn’t convinced she was having a stroke. During a fun night of hanging out with her friends at church, the right side of her body suddenly began to feel weak. Joelma felt fine otherwise, and insisted that she was going to head home and get some rest. Luckily, a friend of hers convinced her to go to the hospital instead, where she learned she had suffered a life-threatening stroke.

"It was one thing off our plate."

Keith Rowe was in the best shape of his life. As a soldier on active duty, he was fit and healthy. He had no idea that he would soon be in the fight of his life. After experiencing symptoms while away at a military training school, Keith was diagnosed with testicular cancer. Over the next several years he would battle through the initial diagnosis, remission, and then a recurrence eight months later which necessitated three rounds of grueling chemotherapy. Keith was able to use the Living Benefits on a permanent life insurance policy he had set up as a tax-free retirement vehicle years earlier to get $60,000 in his hands when he needed it most. He says putting that policy in place was one of the best decisions he ever made.

"Without it, we’d be bankrupt."

When business owner Devan Shockley was diagnosed with a malignant melanoma in his calf, he and his wife Cathleen were shocked to find that their excellent health insurance left a gap of more than $30,000 to treat his cancer. To their vast relief, Living Benefits was available on their life insurance policy, and they were able to accelerate nearly $200,000 to get the relief they needed en route to a full recovery.

"I never thought it would be me."

Rickson Amorim had built a successful career helping his clients protect themselves with a revolutionary new kind of life insurance. He never imagined he would find himself utilizing his own Living Benefits policy after an out-of-the-blue medical emergency. Watch as Rickson and his wife Bianca tell the harrowing story of a sudden, unexplained cardiac arrest that left him clinging to life in a coma. His Living Benefits life insurance policy paid out over $250,000, leading to a miraculous recovery and ensuring a bright, healthy future for Rickson and his new bride.

Scheduling a free, no-obligation conversation is quick and easy.

ProtectING What Matters Most

Have questions? We've got answers.

Our team of associates and financial professionals are available to assist you in accomplishing your personal and retirement goals.

Their role is to educate you on the options available for meeting your financial objectives and assist you in making more informed decisions.

Let us help you eliminate the uncertainty and make the most of the nest egg you’ve worked so hard to build.

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Preparing for your financial future is one of the most important steps you can take in life. From tax-advantaged strategies to lifetime income solutions, we can help you create and enjoy the financial future of your dreams.


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