Living Benefits

Use Your Policy While You Live.

Most life insurance only pays after death. Living benefits let you access your death benefit early — for terminal, chronic, and critical illness. Fafa Mayerson at PeaceGuard Life will show you how.

Talk to Fafa About Living Benefits (502) 533-7270

Three Ways to Access Your Benefit Early

Every policy Fafa designs includes these accelerated benefit riders at no extra cost.

Multigenerational family standing in front of their home - terminal illness protection helps preserve family legacy

Terminal Illness

Diagnosed with 12-24 months to live? Access up to 100% of your death benefit to cover experimental treatments, family travel, legacy gifts, and end-of-life care.

  • No repayment required
  • Tax-free under current law
  • Remainder goes to beneficiaries
Grandmother braiding her granddaughter's hair - chronic illness protection preserves daily living activities

Chronic Illness

Unable to perform 2+ activities of daily living (bathing, dressing, eating, toileting, transferring, continence)? Access monthly payments or a lump sum.

  • Covers home modifications
  • Pays for in-home nursing care
  • Protects retirement savings
Family comforting their daughter through a health crisis - critical illness coverage provides immediate financial support

Critical Illness

Heart attack, stroke, invasive cancer, major organ transplant, kidney failure, or ALS? Receive a lump sum to cover immediate expenses and replace lost income.

  • Covers deductibles & co-pays
  • Replaces spouse's lost income
  • Pays for experimental treatments

How Living Benefits Actually Work

Fafa makes the process simple. No medical exams for acceleration. Just a doctor's certification and your policy pays out.

1

Diagnosis or Event Occurs

Terminal, chronic, or critical condition is diagnosed by a licensed physician.

2

Contact Fafa Immediately

Fafa submits the acceleration request directly to the carrier on your behalf.

3

Carrier Reviews & Approves

Most claims are processed within 30 days with minimal paperwork.

4

Funds Arrive Tax-Free

Money is wired or mailed directly to you. No restrictions on how you use it.

Stressed couple reviewing medical bills - living benefits prevent financial devastation during health crises

Traditional vs. Living Benefits

Feature Traditional Policy Living Benefits Policy
Pays during terminal illness
Pays during chronic illness
Pays during critical illness
Tax-free access
Remaining benefit to family Full amount Full amount minus what you used

Don't Wait for the Worst Day.
Prepare for It Today.

Fafa will review your current policy or design a new one with full living benefits coverage.

Schedule Your Free Review