Living benefits are crucial 

because they provide financial security while you're still alive, offering protection against unexpected life events such as critical illness, chronic conditions, or disability. Here’s why they are essential: 

1. Financial Protection During Health Crises

A serious illness like cancer, heart attack, or stroke can lead to overwhelming medical bills and lost income. Living benefits allow you to access a portion of your life insurance while you're still alive, helping cover medical costs, mortgage payments, or daily expenses.

2. Income Replacement

If an illness or injury prevents you from working, living benefits can serve as an income replacement, ensuring you can still provide for your family and maintain your lifestyle.

3. Avoiding Debt & Asset Liquidation

Many people without living benefits are forced to dip into savings, retirement funds, or even sell assets to cover unexpected expenses. Having access to living benefits helps protect your wealth and financial stability.

4. Flexibility & Control

Unlike traditional life insurance, which only provides a payout after death, living benefits give you control over your money when you need it most, without restrictions on how the funds are used.

5. Peace of Mind for You & Your Family

Knowing that you have financial support in case of a severe health condition gives you and your loved one's confidence and security, allowing you to focus on recovery rather than finances.