Service Overview
Life Insurance with Living Benefits
Financial Security for Life's Challenges
Life insurance isn't just about leaving behind financial protection for loved ones, it can also support you during your lifetime. With living benefits, life insurance policies now offer a way to access funds in times of need, providing peace of mind when it matters most.
What Are Living Benefits?
Living benefits are additional features of a life insurance policy that allow you to use a portion of your policy's death benefit while still alive. These benefits are designed to provide financial assistance during major life events, such as illness or long-term care needs, ensuring you have the resources to navigate life's unexpected moments.
How Living Benefits Work
Living benefits are available as optional riders that can be added to your life insurance policy. These riders can complement term life or permanent life insurance policies, depending on the provider.
Examples of Living Benefit Riders
Accelerated Death Benefit Rider: Access funds early if you're diagnosed with a terminal illness. Critical Illness Rider: Receive a lump-sum payment if diagnosed with a covered critical illness. Chronic Illness Rider: Financial support if a chronic condition prevents you from performing daily tasks. Long-Term Care Rider: Monthly benefits to help cover long-term care needs due to illness or cognitive impairment.
EmpowerU: Your Partner in Freedom and Flexibility
At EmpowerU, we work with a variety of trusted providers, ensuring you have the freedom to choose the right policy for your unique needs. Our mission is to equip you with solutions that not only protect your family's future but also support you during life's most challenging times. Ready to learn more about life insurance with living benefits? Contact us today to explore your options!
