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Living Benefits

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Living benefits
Life insurance benefits from which the insured can draw cash while still living, usually in the case of some high-cost illness.
Living Benefits
In life insurance, all or a portion of the death benefit that the policyholder may receive prior to death. The policyholder usually elects to receive living benefits during a terminal or catastrophic illness, especially one where health insurance does not cover all the bills. They are also called accelerated benefits. See also: Viatical settlement.
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Montminy says he expects demand for living benefits riders to remain strong in the near term, despite moves by many carriers to increase the cost and scale back the benefits associated with those riders.
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For insurers, the future for hugely popular living benefits comes down to a balancing act.
Guarantees gone mild by Port, David / Boomer Market Advisor
 
 
 
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