Case 1: Cancer Diagnosis: Turning Crisis Into Stability

 

Meet Maria, a 42-year-old single mother of two teenagers. She purchased a permanent life insurance policy with Living Benefits five years ago. Her goal was simple: protect her family’s future and build a little savings along the way.

 

Unexpectedly, Maria was diagnosed with stage 3 breast cancer. Treatment meant taking a leave from work for several months. Without her regular income, she worried about paying the mortgage, covering medical bills, and keeping her kids in school.

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Because her policy included accelerated benefits for critical illness, Maria was able to access a portion of her death benefit while she was still living. Those funds covered her medical costs, kept her mortgage current, and helped her family maintain stability during one of the hardest seasons of their lives.

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By using her Living Benefits, Maria didn’t have to drain her retirement savings, depend on high-interest credit cards, or delay her treatment. She could focus on healing — knowing her financial foundation remained strong.

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Living Benefits can help provide tax-advantaged access to funds in the event of a qualifying illness like cancer — offering financial relief when income stops but expenses rise.

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Case 2: Chronic Illness After a Car Accident: Protecting Family and Future

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Meet Daniel, a 38-year-old single father raising his 8-year-old daughter. A few years ago, David purchased a policy with Living Benefits, aiming to ensure his daughter would always be cared for if something were to happen to him.

 

One winter evening, David was in a serious car accident that left him with long-term mobility challenges. He couldn’t return to his physically demanding job and was later classified as chronically ill, needing assistance with daily activities.

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Fortunately, his policy allowed him to accelerate a portion of his death benefit under the chronic illness rider. Those funds became a lifeline  - covering household bills, therapy costs, and even a part-time caregiver. Most importantly, it allowed him to stay home and be present for his daughter without worrying about losing everything he had built.

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Daniel’s policy gave him the one thing no paycheck could: dignity, independence, and time.

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When income stops due to a chronic illness or disability, Living Benefits can replace lost earnings, fund care, and protect your loved ones from financial hardship, all without touching your savings or going into debt.

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