Life Insurance with living benefits

Life insurance doesn’t just protect your family after you’re gone — it can also support you while you’re still alive. At Relief Insurance Agency, our Life Insurance with Living Benefits lets you access a portion of your policy if you’re diagnosed with a serious illness like cancer, heart attack, stroke, or need long-term care.

This money can help cover medical bills, lost income, or everyday expenses, giving you the financial flexibility to focus on recovery. It’s smart protection for both today and tomorrow — all in one plan designed around your needs.

What are "living benefits" in a life insurance policy?

Living benefits allow you to access a portion of your life insurance policy’s death benefit while you are still alive, under certain qualifying conditions such as being diagnosed with a terminal illness, critical illness, or needing long-term care.

How do I qualify to use the living benefits?

You may qualify if you are diagnosed with a covered condition such as cancer, heart attack, stroke, or a terminal illness. Each policy outlines the specific triggers for living benefits, and claims are typically supported by medical documentation.

Will using living benefits reduce my death benefit?

Yes, any funds you access while living will be deducted from the total death benefit available to your beneficiaries upon your passing. However, it allows you to ease the financial burden during difficult times.

Do I need to take a medical exam to get a policy with living benefits?

Many policies do not require a medical exam, especially those with simplified underwriting. However, it depends on the policy type and the amount of coverage you’re applying for. Relief Insurance Agency can help you find the right option for your needs.