When most clients think about life insurance, they think about the financial protection it provides after they are gone. A death benefit can help loved ones cover final expenses, replace lost income, or keep up with major bills like the mortgage.
But today’s life insurance can do much more. What if your clients could access a portion of their policy’s death benefit while they are still living? What if their coverage could support them not only in the future, but during life’s most challenging moments? That’s the power of Living Benefits.
What Are Living Benefits?
Living Benefits give policyholders the ability to access a portion of their life insurance death benefit while still alive – often during qualifying medical or financial hardships.
These come through life insurance riders, often known as Accelerated Death Benefits, that can typically be included* on term and permanent life policies.
…and in many cases, these riders are automatically built in at no additional cost.
This feature can provide clients with a tax-efficient, flexible source of funds in situations where financial strain is greatest.
Why Should Agents Care?
Living Benefits continue to grow in popularity – and clients are asking about them. Carriers across the industry are expanding their offerings to keep up with demand, giving agents a major opportunity to stand out and provide more complete protection.
At Western Marketing, our goal is to make sure you stay informed, competitive, and ready to offer the solutions today’s clients value most.
Ready To Learn More About Living Benefits?
We can walk you through:
• Which carriers offer the strongest Living Benefit Riders
• Differences between Chronic, Critical, and Terminal Illness triggers
• How to position Living Benefits in your client conversations
• Which products offer these features for no extra cost
But today’s life insurance can do much more. What if your clients could access a portion of their policy’s death benefit while they are still living? What if their coverage could support them not only in the future, but during life’s most challenging moments? That’s the power of Living Benefits.
What Are Living Benefits?
Living Benefits give policyholders the ability to access a portion of their life insurance death benefit while still alive – often during qualifying medical or financial hardships.
These come through life insurance riders, often known as Accelerated Death Benefits, that can typically be included* on term and permanent life policies.
…and in many cases, these riders are automatically built in at no additional cost.
This feature can provide clients with a tax-efficient, flexible source of funds in situations where financial strain is greatest.
Why Should Agents Care?
Living Benefits continue to grow in popularity – and clients are asking about them. Carriers across the industry are expanding their offerings to keep up with demand, giving agents a major opportunity to stand out and provide more complete protection.
At Western Marketing, our goal is to make sure you stay informed, competitive, and ready to offer the solutions today’s clients value most.
Ready To Learn More About Living Benefits?
We can walk you through:
• Which carriers offer the strongest Living Benefit Riders
• Differences between Chronic, Critical, and Terminal Illness triggers
• How to position Living Benefits in your client conversations
• Which products offer these features for no extra cost
