Living benefits are life insurance policies where you don't have to die in order to collect benefits. These policies offer protection for critical illnesses like cancer and heart attacks, chronic illness protection when you can't perform two or more activities of daily living and terminal illness benefits where you can collect a lump sum payment if you're diagnosed as being terminally ill. Some carriers offer living benefits as free riders to their life insurance policies, while others offer a combination of free and paid riders that offer additional optional protection and can even include disability riders at an additional cost. LEARN MORE
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