Protect Your Family
Before Life Happens
Modern life insurance with living benefits helps protect your family financially while giving you access to money during major health challenges and unexpected moments.
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Family Life Insurance With Living Benefits
Build a wall of protection around the people you love with coverage that supports your family before and after life’s unexpected events.
Life insurance protects your family when they need it most. If you pass away, it pays your loved ones money to replace your income, pay off the mortgage, and keep your kids’ future on track. With living benefits, you may also be able to access part of your benefit while you’re alive if you face a qualifying serious illness, so medical bills don’t drain your family’s savings. Here’s how it works, what it costs, and how to choose the right plan, whether you’re in Boca Raton or anywhere in the U.S.
Someone in the U.S. has a stroke every 40 seconds (CDC)
3 in 4 American adults have at least one chronic condition (CDC)
2.1 million new cancer diagnoses projected in the U.S. in 2026 (American Cancer Society)
7.4 million Americans 65+ are living with Alzheimer’s (Alzheimer’s Association, 2026)
Discover How Living Benefits Is The New Life Insurance — Not Just Death Insurance
Life Insurance
- Death Benefit Only
- No Living Benefits
- No Critical Illness Support
- No Access To Funds While Alive
Living Benefits
- Death Benefit Included
- Critical Illness Rider
- Chronic Illness Rider
- Terminal Illness Rider
- Money For Medical Bills
- Money For Lost Income
- Money For Treatments
Why Does Your Family Need Life Insurance
With Living Benefits?
Life insurance today is more than a death benefit. It protects your family financially while also helping you survive unexpected medical and life challenges.
Protect Your Family
Provide financial security for your loved ones if something unexpected happens to you.
Get Support If You Get Sick
Access part of your benefit for a qualifying terminal, chronic or critical illness, and on many policies, severe cognitive impairment such as Alzheimer’s.
Coverage During Major Accidents
On some policies, financial support for critical injuries, paralysis, severe burns, coma, or traumatic brain injuries.
795,000+
Americans have a stroke every year (CDC).
530,000
Families a year face bankruptcy linked to illness or medical bills (American Journal of Public Health, 2019).
66.5%
Of bankruptcies are linked to medical problems (American Journal of Public Health, 2019).
Do You Want A Quote?
A free 15-minute call to see what you qualify for. No pressure.
How life insurance protects your family, even if you get sick
Make sure you and your family are protected in case you die or become seriously ill. Not all living benefits are equal: two policies can both say “living benefits” and cover very different things, especially Alzheimer’s and other cognitive decline. Before you buy, ask which illnesses and injuries are covered, how much you can take, how the payout is calculated, and whether your health rating affects what you get. The check you receive is usually less than the amount taken from the death benefit because it’s paid early, and what you take reduces what your family receives.
SCHEDULE FREE CONSULT (No-Obligation, Free Phone Consult)
📅 Book your Life Insurance Discovery Phone Call with Cory Levine to receive a 100% free needs analysis so we can learn more about your family, key goals, and provide answers about your individual needs to protect your family.
Your Policy Should Protect Your Life — Not Just Your Death
Modern Life Insurance gives you access to money during serious illnesses, accidents, or recovery periods so you can focus on your health, family, and future.
Medical Expenses
Pay for treatments, medications, recovery care, and specialist support.
Home Recovery
Cover nurses, rehabilitation, mobility upgrades, and home support.
Income Protection
Keep paying bills and protect your family while you recover.
Living Benefits Help Families Stay Financially Stable
Traditional policies only pay after death. Living Benefits can provide money while you are still alive after qualifying illnesses or critical medical events.
Modern life insurance does more than protect your family after death. These living benefit riders can provide financial access during major health events, helping protect your income, retirement, and quality of life. Generally income-tax-free death benefits can help your family maintain financial stability by covering living expenses, debts, education, and ongoing obligations. Access a portion of your death benefit if diagnosed with a qualifying illness expected to result in death within 12 or 24 months, depending on the policy and your state. If you become unable to perform daily living activities due to cognitive impairment or chronic illness, you may qualify for benefit access. Receive access to a portion of your benefit after diagnosis of qualifying conditions or severe medical events. Available on some policies: accelerated benefits after severe qualifying injuries such as coma, traumatic brain injury, paralysis, or severe burns. Ask if yours includes it. Some policies cover severe cognitive impairment, such as Alzheimer’s disease or other dementia, as a chronic illness or a separate benefit. Not all do, so ask before you buy. Protection That Works While You’re Still Living
Income Replacement If You Die
Terminal Illness
Chronic Illness
Critical Illness
Critical Injury
Alzheimer’s & Dementia
Which family protection plan fits you?
Living benefits are available on many term, IUL and whole life policies. Pick the one that fits your goal:
Free resources
Book a Free Call to See What You Qualify For
Educational information only, not tax, legal or medical advice. Living benefits (accelerated death benefits) vary by insurance company, product, issue age, health rating and state, and are subject to eligibility requirements and policy terms. Amounts accelerated reduce the death benefit, and the payment received is typically less than the amount accelerated. Not all policies cover critical injury or cognitive impairment. Guarantees depend on the claims-paying ability of the issuing insurer. Cory Levine is a licensed insurance professional serving clients nationwide where licensed. Statistics: CDC; American Cancer Society, Cancer Statistics 2026; Alzheimer’s Association, 2026 Facts and Figures; Himmelstein et al., American Journal of Public Health, 2019.
