Term Life Insurance with Living Benefits: The Most Underrated Financial Tool for Families

When most people hear “life insurance,” they think of one thing: death benefits.

But what if I told you that Term Life Insurance could also help protect you while you’re still alive?

That’s where Term Life with Living Benefits (LB) comes in—and it’s one of the first things I recommend to every client shopping for term coverage.

 

💡 What Are Living Benefits?

Living Benefits are riders added to a term life policy that allow you to access your death benefit while you're still livingif you're diagnosed with a serious illness or injury.

Covered situations often include:

• Critical Illness (heart attack, stroke, cancer)

• Chronic Illness (inability to perform 2 of 6 daily living activities)

• Terminal Illness (12–24 months to live)

Instead of your family waiting to receive a benefit after you're gone, you get to use a portion of it now to:

• Cover medical bills

• Replace lost income

• Pay your mortgage

• Keep your family financially stable

 

🔥 Why I Always Recommend It First

As an independent broker, I’m not married to one company or product—but I am 100% committed to protecting my clients the best way I know how.

And Term Life with Living Benefits? It’s a no-brainer.

Here’s why:

• Affordable: A healthy 30-year-old male can lock in a $250,000 policy for around $30/month—for a 30-year term. That’s barely $1 a day.

• Powerful Protection: You’re not just buying death coverage; you’re building peace of mind while you’re alive.

• Perfect for Growing Families: New homeowners, young parents, and anyone building a future need more than just funeral coverage—they need financial security when life throws a curveball.

 

🏆 Why It's the Best Thing You Can Do

• You lock in low rates while young and healthy

• You protect against the #1 reason for bankruptcy in the U.S.—medical bills

• You create a flexible safety net for you and your family

• You avoid waiting for GoFundMe to come to the rescue

 

✅ Who Should Get This?

If you’re:

• In your 20s to early 40s

• Starting or growing your family

• Buying a home

• Running a small business

• Concerned about protecting your income

…then this should be at the top of your financial checklist.

 

🗣️ Final Word From Me

I’ll be real with you—not everyone qualifies. But if you're in good health, the cost is minimal for the massive benefit it provides.

And that’s why when I work with clients, this is the first option I try to get for them. Because life happens. And you deserve to have a plan that protects more than just your legacy—it should protect your life.

 

📞 Book a consultation or shoot me a text or an email.  407 925 3616 or email info@robinsonjortiz.net