Americans will be diagnosed with cancer during their lifetime.
Life insurance, reimagined
Life insurance. Living benefits.Peace of mind—all in one policy.
Certain life insurance policies can do more than provide a death benefit. They may also let you access part of that benefit while you are living after a qualifying critical, chronic or terminal illness.
Licensed in CA, AZ & IDEnglish & SpanishIndependent guidance
The difference
Protect your family.
Plan for life.
Imagine a policy that helps your family pay the bills if you die too soon—and helps you keep up with expenses if a serious covered illness interrupts your income. Depending on the policy, it could also offer a return of premiums or build cash value to help close the gap in your retirement income.
Death benefitProtect the people you love
A death benefit can help your family manage housing, debt, education and everyday expenses after you pass away.
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How it worksIf the insured passes away while the policy is in force, the remaining death benefit is paid to the named beneficiaries.
Simple exampleA $500,000 benefit could help a family manage housing, debts, education and everyday expenses.
ImportantPolicy loans, withdrawals or accelerated benefits may reduce the amount paid to beneficiaries.
Get my quoteLiving benefitsA lump-sum benefit while living
Certain policies may let you access part of the death benefit after an approved qualifying critical, chronic or terminal illness claim.
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How it worksThe carrier determines whether the medical event meets the policy definition. After the lump-sum benefit is paid, the carrier does not approve each expense.
Simple exampleA qualifying claim could help with mortgage payments, lost income, household bills or business costs.
ImportantBenefits reduce the remaining death benefit and vary by policy, state and claim circumstances.
Get my quoteReturn of premiumReceive 75%–100% of premiums paid
Depending on issue age, certain permanent policies may offer this return-of-premium opportunity near the end of policy year 25.
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How it worksWhen the policy has been sufficiently funded, the owner may fully surrender it near the specified anniversary and receive 75% or 100% of premiums paid, depending on issue age.
Simple exampleFor example, an eligible policy could let you cancel your coverage around year 25 and receive 75%–100% of your premiums back, subject to the policy’s requirements and limits.
ImportantFull surrender ends the coverage. Timing, funding requirements and benefit caps apply, and this feature is not available with every policy.
Get my quotePermanent coverage & supplemental retirementBuild value for the future
Certain permanent policies can build cash value that may later help supplement retirement income.
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How it worksAvailable cash value may be accessed through policy loans or withdrawals, subject to the policy's provisions and performance.
Simple exampleProperly funded coverage may create value that can be accessed later for retirement or other financial needs.
ImportantLoans and withdrawals reduce policy values and death benefits and may cause the policy to lapse. Tax consequences may apply.
Get my quoteTap or click each benefit for more information. Available features vary by policy, carrier, state, underwriting and policy provisions.
Why living benefits matter
The financial risk isn’t only dying too soon. It’s surviving—and needing time to recover.
A serious illness can interrupt your income while your mortgage, family expenses and business obligations continue.
Explore my optionsAmericans experience a heart attack each year.
Americans experience a stroke each year.
General educational statistics: National Cancer Institute SEER and CDC. They do not predict an individual’s outcome or eligibility.
Paid directly to you
Once a qualifying claim is approved, you decide how to use the money.
The carrier determines whether the medical situation qualifies. After the lump-sum benefit is paid, you may use it based on what you, your family or your business need most.
Mortgage or rentGroceries and family billsReplacing lost incomeCar or equipment paymentsPayroll and overheadMedical costs not covered
Medical documentation is required to establish eligibility. The carrier does not approve each expense after the benefit is paid.
Illustrative example
Here’s one example of how this protection could work.
See the potential value of living benefits.Not just the cost of the death benefit.
Male business ownerAge 40Good health · Non-tobacco · California
Coverage$500,000Monthly premium$31.32
Potential living benefits
A potential lump-sum benefit paid directly to you while you’re still living.
After an approved qualifying claim, you may use the benefit based on what you, your family or your business need most.
Cannot perform two basic daily activities for 90+ days.
Invasive cancer diagnosis—the highest illustrated payout tier.
Qualifying heart attack with time for recovery and rehabilitation.
Life expectancy certified at 24 months or less.
*Illustrative only: 40-year-old male, Preferred Plus class, $500,000 death benefit, 20-year term. Potential living-benefit amounts shown at benefit payment date age 48. Actual amounts vary and are subject to rider definitions, actuarial discount, policy terms and claim approval. Benefits may be substantially less than shown or zero. Not a guarantee.
Simple next steps
Getting Started is Simple
Tell Us the Basics
Share your age, state and the coverage amount you’re interested in.
Get your personalized quote
We explain your coverage options, living benefits and monthly costs in plain English.
Choose only if it fits
Review the actual policy, benefits, costs and limitations before applying.
Straight answers
The 10 questions people ask most.
Tap any question for a simple explanation. Exact terms vary by policy and state.
Ask about my situation01What are living benefits?
Living benefits are policy provisions or riders that may let you access part of your life-insurance death benefit while you are alive after a qualifying critical, chronic or terminal illness.
02What illnesses may qualify?
Depending on the policy, covered events may include invasive cancer, a qualifying heart attack, stroke and other defined conditions. Chronic illness usually involves being unable to perform at least two activities of daily living or having qualifying severe cognitive impairment.
03Can I use the money however I want?
Once a qualifying claim is approved, the benefit is paid directly to the policyowner as a lump-sum payment and may generally be used however the policyowner chooses. The carrier determines whether the medical event qualifies; it does not approve each expense.
04Does receiving money reduce the death benefit?
Yes. Living benefits accelerate part of the death benefit, so the remaining benefit for beneficiaries and other policy values may be reduced.
05How much will I receive?
The actual amount is determined at claim time and can be less than the death benefit accelerated because of age, severity, actuarial discounts, policy values and rider provisions.
06Is term or permanent coverage better?
Neither is automatically better. Term coverage is generally lower cost for a set period. Permanent coverage may last longer and can build cash value when properly funded and maintained.
07Can I receive my premiums back?
Certain sufficiently funded permanent policies may offer an enhanced surrender value equal to 50% of premiums paid near the end of policy year 20 or 75% to 100% near the end of policy year 25, depending on issue age. Full surrender ends the coverage, benefit caps and timing rules apply, and the feature is not available with every policy.
08Can a policy help supplement retirement income?
Yes. For small-business owners and self-employed people, a properly funded permanent life insurance policy can serve two purposes: help protect against the unexpected during their working years and potentially build cash value to supplement retirement income later.
Along the way, the death benefit protects loved ones, while living benefits may provide financial help after a qualifying serious illness.
We’ll review your goals and explain how the policy works, including its benefits, costs and limitations.
09How much does coverage cost?
Cost depends on age, state, health, tobacco or nicotine use, coverage amount, policy type and underwriting class. A personalized quote is the best starting point.
10Can I qualify if I have a health condition?
A health condition does not automatically rule you out. Eligibility and pricing depend on the condition, how well it’s managed, and the insurance company’s requirements. We’ll review your situation and explain the options that may be available to you.
Independent guidance
Talk with a licensed agent—not a call center.
We help families, self-employed people and business owners compare available life-insurance options in plain English or Spanish, without pressure.
Gerardo MoralesGerardo Morales Insurance Services LLCCalifornia license#0B74739Arizona license#2637421Idaho license#2637421ServiceEnglish & SpanishContact310-227-9285
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Find coverage that fits your life and budget.
Your coverage options are based on your age, state, health, goals and budget—with no obligation.
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