Living Benefits include 2 riders: critical and chronic.
A life insurance policy with living benefits allows you to access your death benefit if you become unable to work due to a heart attack, stroke, cancer, etc. or become chronically ill, helping to shield your assets and loved ones from the financial impact.
So if you cannot work, and you’re not dead – how do you pay your mortgage, feed your kids, etc.? when you are out of work from a serious situation…your doctor/hospital will get paid from your health insurance…but who is paying your bills? THE LIVING BENEFITS pay your bills & relieve stress so you can heal.