Living Benefits, have you heard of life insurance you don’t have to die to use? In a case of critical, chronic, or terminal illness. The death benefit from the policy will pay you out in advance. Research shows, 70% of Americans will suffer from Heart attack, stroke, or cancer before the age of 65, ironically. 70% of the people survive BUT, 50% of those who survive go bankrupt. Could you afford for this to happen to you or your family?