Term coverage with living benefits
Life Insurance With Living Benefits
Compare term life quotes from top-rated carriers and select coverage options with living benefit riders.
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Living benefits
What are living benefits?
Some term life policies may allow you to access part of your death benefit if you're diagnosed with a qualifying illness.
Critical Illness
May help after events like heart attack, stroke, or certain cancers.
Chronic Illness
May help if you cannot perform daily living activities.
Terminal Illness
May help after a qualifying terminal diagnosis with a limited life expectancy.
Critical Illness
Access a portion of your death benefit early if diagnosed with a covered condition like cancer, heart attack, or stroke.
Chronic Illness
Get financial support when a chronic condition prevents you from performing 2 or more daily living activities.
Terminal Illness
Receive early benefits if diagnosed with a terminal illness — giving you time and resources to focus on what matters.
Living Benefits
Your coverage
shouldn't stop
when life gets hard.
Traditional term life only pays after you pass away.
With living benefits, you may access a portion of your benefit early —
while you're still alive and need it most.
Still have questions?
We've got you covered.
Is this still term life insurance?+
Yes. The policies we compare are term life options. The difference is whether the policy includes meaningful living benefit riders in addition to the death benefit.
Do living benefits cost extra?+
It depends on the carrier, policy, state, age, and underwriting class. Some competitive term policies include living benefit riders, so the best next step is to compare both premium and benefit structure.
View more questions
What does life insurance with living benefits mean?+
It is life insurance that may protect your beneficiaries if you pass away and may also let you access part of the death benefit while living after a qualifying critical, chronic, or terminal illness.
Will using living benefits reduce the death benefit?+
Usually, yes. Living benefits are generally accelerated death benefits, so using part of the benefit while alive typically reduces the remaining benefit available later.
Common questions
Enough clarity to make the next step easier.
Living benefits are useful, but the details matter. These are the questions most families should answer before choosing a policy.
What does life insurance with living benefits mean?
It is life insurance that may protect your beneficiaries if you pass away and may also let you access part of the death benefit while living after a qualifying critical, chronic, or terminal illness.
Is this still term life insurance?
Yes. The policies we compare are term life options. The difference is whether the policy includes meaningful living benefit riders in addition to the death benefit.
Do living benefits cost extra?
It depends on the carrier, policy, state, age, and underwriting class. Some competitive term policies include living benefit riders, so the best next step is to compare both premium and benefit structure.
Will using living benefits reduce the death benefit?
Usually, yes. Living benefits are generally accelerated death benefits, so using part of the benefit while alive typically reduces the remaining benefit available later.
Research before you compare
Independent guides for the details behind the quote
Use these focused resources to understand policy mechanics, examples, and comparison criteria without repeating the quote information on this page.
What Living Benefits Cover
Understand critical, chronic, and terminal illness rider categories.
How Term Living Benefits Work
See how acceleration may affect the policy and remaining death benefit.
Living Benefit Examples
Review anonymized scenarios and the assumptions behind them.
Compare Living-Benefit Term Options
Learn which rider and pricing factors belong in a policy comparison.
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See term life options with living benefits.
See term life options with living benefits that fit your needs.
Product availability, riders, and benefits vary by carrier, state, and underwriting.