POWERFUL LIVING

BENEFITS

Life is unpredictable, but your financial security doesn’t have to be. With Living Benefits, you can access funds from your life insurance policy to cover medical expenses, replace lost income, or provide financial relief when needed. At Frontline Financial Group, we ensure your policy works for you—not just in the future, but when life happens.

Protect Your Family with Powerful Living Benefits

Life insurance doesn’t have to be overwhelming. At Frontline Financial Group, we make it simple by offering services that protect both you and your family—like Living Benefits. These benefits allow you to access funds from your policy in times of need, covering medical expenses, lost income, or unexpected costs. Many overlook this crucial feature, but it can make all the difference. Let us help you find the right coverage for your family and budget.

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What Are Living Benefits & Why Do You Need Them?

Life is unpredictable, but Living Benefits ensure you’re financially prepared for the unexpected. Unlike traditional life insurance, these benefits allow you to access your policy’s cash value while you’re still alive, providing support when you need it most. With most insurance carriers, Living Benefits—also known as Accelerated Benefits—can provide financial relief if you experience a critical, chronic, or terminal illness. Whether it’s covering medical expenses, replacing lost income, or easing financial burdens, this feature ensures that you and your family stay protected, no matter what life brings.

How Living Benefits Coverage Works

With Living Benefits, your policy can provide a payout between $10,000 to $1 million if you experience a critical, chronic, or terminal illness. If your condition is covered under your policy rider, you can file a claim and receive a lump sum payout. This money can help cover medical bills, mortgage payments, rent, and other essential expenses, easing the financial burden on your family during difficult times.

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What Qualifies for Living Benefits?

To receive Living Benefits, you must be diagnosed with a critical, chronic, or terminal illness, certified by a licensed health professional.

Critical Illness – A severe, sudden condition covered under your policy, such as a heart attack, invasive cancer, stroke, paralysis, coma, renal failure, or major organ transplant.
Chronic Illness – A condition preventing you from performing at least two Activities of Daily Living (eating, dressing, bathing, toileting, transferring, or continence) without assistance.
Terminal Illness – A disease or condition diagnosed by a physician that is expected to result in death within 12 to 24 months.

Living Benefits – Critical Illness Coverage When You Need It

No one expects to face a chronic, critical, or terminal illness, but if the worst happens, wouldn’t you want to be covered?

Each year, over 720,000 Americans suffer their first heart attack, 1.6 million are diagnosed with cancer, and 795,000 experience a stroke. During such times, the last thing you need is financial stress. With Living Benefits, you can access your life insurance funds to cover medical bills, mortgage payments, and daily expenses, preventing financial hardship while you focus on recovery. 48% of home foreclosures are caused by critical illness don’t let that happen to you.

Protect yourself and your loved ones with Living Benefits for peace of mind when you need it most.

FAQ

You’re Not Alone – Frontline Financial Group Is Here for You

At Frontline Financial Group, we take a personalized approach to Living Benefits, ensuring your coverage meets your unique financial needs. Life is unpredictable, but you don’t have to face it alone. Don’t let a chronic or critical illness create a financial burden for you or your loved ones. Our powerful policies help safeguard your future, so you can focus on what matters most. For a trusted, no-obligation quote, contact us today or try our fast and free TrustQuote tool. Let me know if you'd like any refinements!

What to Know About Your Living Benefits Payout

When you request a Living Benefits payout, also known as an acceleration of death benefit, you receive a lump sum after deducting any administrative fees. However, most policies allow only one claim, meaning you may not be able to request additional payouts in the future. Additionally, after receiving the accelerated benefit, your remaining life insurance coverage may be significantly reduced, leaving little to no death benefit for your beneficiaries. Understanding these details ensures you make informed financial decisions. Let us help you navigate your options—contact us today!

Should You Pay for Living Benefits Coverage on a Budget?

Yes! Even if you’re on a budget, Living Benefits Coverage is a valuable investment. The sooner you purchase Critical Illness Coverage, the lower your costs—especially if you’re young and healthy, allowing you to lock in affordable rates. The financial burden of a life-threatening illness can be far greater than the cost of life insurance premiums. Plus, some policies include Living Benefits at no extra cost, making it an even smarter choice. Planning ahead can help protect your financial future and give you peace of mind.

Can You Get Living Benefits if You’ve Been Diagnosed with Cancer?

If your cancer has metastasized, the answer is likely no. Insurers will review details such as your diagnosis date, treatment duration, and last treatment date before determining eligibility. The good news is that many Living Benefit Coverage plans require you to be cancer-free for at least seven years before offering coverage. This means that if you have been in remission for a significant period, you may still qualify for protection.

When Should You Buy Critical Illness Coverage?

The best time to buy Critical Illness Coverage is as early as possible. Just like other health and life insurance policies, the younger you are, the lower your premiums will be. Since the future is unpredictable, securing coverage now provides peace of mind throughout your life. Plus, with some programs offering Living Benefits at no additional cost, it’s a smart and easy decision to make.