Living benefits

Terminal Illness

If you’re diagnosed with a terminal illness and doctors expect a life expectancy of 12–24 months or less (depending on the policy), you may access part of your death benefit early to help cover expenses and prepare financially.

Chronic Illness

If you’re unable to perform at least two daily living activities—such as eating, bathing, or dressing—for an extended period, or require long-term care, you may access funds from your policy to help cover care or support lifestyle adjustments.

Critical Illness

If you experience a major medical condition such as a heart attack, stroke, cancer, or kidney failure, you may use a portion of your death benefit to help cover treatment costs, recovery expenses, or other financial needs.

Critical Injury

If you suffer a severe injury—such as paralysis or traumatic brain injury from a major accident—you may access funds from your policy to help pay for medical care, rehabilitation, or daily living expenses.

Frequently Asked Questions

How do I know which option is right for me?

We recommend starting with a personal consultation to assess your goals and needs. Based on this, we can suggest the product that would be most beneficial for you.

Is life insurance expensive?

Most people overestimate the cost. Healthy individuals can often get significant coverage for the price of a few coffees each week. Rates depend on age, health, lifestyle, and the amount of coverage you choose.

Can I get life insurance if I have health issues?

Yes, but options may be limited and premiums may be higher. Some policies require medical exams, while others offer simplified or guaranteed approval. Getting coverage earlier while healthy usually provides the best options and pricing.

How much life insurance do I need?

A common rule is 10–12× your annual income, but it depends on debts, family needs, income replacement years, and final expenses. The goal is to ensure your family can maintain stability if you’re no longer there to provide income.

When should I buy life insurance?

The best time is when someone depends on you financially—or before health issues arise. Younger and healthier applicants typically qualify for lower premiums and more coverage options.