Can I use my life insurance while I’m alive?

Most people think life insurance only pays out when you die — but that’s only part of the story.
The right policy can benefit you while you’re still alive, offering financial flexibility, peace of mind, and even tax advantages.

3 Ways to Use Life Insurance While You’re Alive

1. Cash Value Access (Whole Life, IUL)

Permanent policies build cash value over time. You can:

• Take out a tax-free loan

• Withdraw part of the value

• Use it to cover future premiums

It’s like having a personal savings account that grows quietly in the background.

2. Living Benefits Riders

Some policies include accelerated death benefit riders that let you:

• Access part of your death benefit if diagnosed with a critical, chronic, or terminal illness

• Use that money for medical bills, living costs, or anything else you need

3. Retirement Income (IUL or Annuities)

Indexed Universal Life (IUL) and annuities offer tax-deferred growth and optional retirement income streams, giving you an extra layer of security for later in life.

Why It Matters

Life insurance isn’t just for your family after you’re gone — it’s a smart tool to:

• Build wealth

• Access funds in emergencies

• Protect yourself while you’re alive

And with options starting at just $10/month, you can start small and grow into your coverage.

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✔️ No medical exam required for many policies
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✔️ Living benefits and cash value options available

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Secure coverage that helps you today — not just someday.