Life insurance isn’t just a death payout. Many modern policies include living benefits.
Secret Perks in Many Policies
✅Accelerated Death Benefit: If diagnosed with a terminal illness (often under 12 months life expectancy), you can take part of the payout early.
✅Long-Term Care Rider: Lets you use death benefit money to pay nursing home costs.
✅Waiver of Premium: If disabled, you keep your coverage without paying premiums.
✅Conversion Options: With term life, you can convert to whole life without medical exams.
Why Check Your Policy Now
You might already have these benefits and not know it. A quick policy review could uncover options that protect you while you’re still alive.
Bottom Line
Life insurance isn’t just about your family after you’re gone. In 2025, many policies can help during critical illness or disability — turning your policy into a living financial safety net.