What is Living Benefits

and Why Does It Matter?

Understanding Living Benefits

Most people think life insurance only matters after someone passes away. But with Living Benefits, your policy becomes more than just a legacy—it becomes a lifeline you can access while you’re still alive.

Life insurance isn’t only about leaving something behind for your loved ones—it can also provide support while you’re still here. With Living Benefits, you can access a portion of your policy if you face certain qualifying conditions. This means your coverage becomes a financial safety net during life’s most difficult moments.

When Living Benefits Make a Difference

Your life insurance policy isn’t just about the future—it can provide real financial support when you need it most. With Living Benefits, you may be able to access funds during some of life’s most challenging health events:

Cancer

A cancer diagnosis often brings unexpected medical costs—surgeries, chemotherapy, medications, and ongoing care. Living Benefits can help cover these expenses, giving you the freedom to focus on treatment and recovery instead of worrying about bills.

Stroke

Recovering from a stroke may require rehabilitation, therapy, or long-term care. Living Benefits provide financial relief so you can afford the support you need to regain independence and maintain quality of life.

Heart Attack

Heart attacks can lead to hospital stays, lifestyle changes, and time away from work. Living Benefits can replace lost income and cover medical costs, ensuring your family’s financial stability while you recover.

Chronic Illness

When a chronic condition limits your ability to perform daily activities, Living Benefits can help pay for caregiving, home modifications, or ongoing medical needs. This support allows you to live with dignity and maintain stability for your household.

Critical Illness

Conditions like organ failure or major surgeries can disrupt every aspect of life. Living Benefits provide funds to manage expenses during these critical times, helping you stay financially secure while focusing on your health.

Terminal Illness

If you’re diagnosed with a terminal condition, Living Benefits can ease the burden of end‑of‑life care. They can help cover medical costs, provide comfort for your family, and allow you to spend meaningful time together without financial stress.

Alzheimer’s Disease

Alzheimer’s and other forms of dementia can gradually affect memory, independence, and the ability to perform daily activities. Living Benefits can help pay for caregiving support, assisted living, or home modifications—providing stability and dignity for both patients and their families as they navigate long-term care needs.

How Living Benefits Help

Life doesn’t always go as planned. When unexpected challenges arise, Living Benefits transform your life insurance policy into more than just protection for the future—they become immediate support for today. This financial safety net can ease the burden during life’s toughest moments in powerful ways:

Paying Medical Bills and Treatments

Serious illnesses often come with overwhelming medical costs. Living Benefits can help cover hospital stays, surgeries, medications, and even alternative treatments. Instead of worrying about how to afford care, you can focus on healing and recovery.

Covering Monthly Expenses and Mortgage Payments

When health issues disrupt your ability to work, everyday bills don’t stop. Living Benefits provide funds to keep your household running—covering rent or mortgage payments, utilities, groceries, and other essentials—so your family’s stability is never compromised.

Funding Travel to See Family or Return Home to the Philippines

For many families, being close to loved ones during difficult times is priceless. Living Benefits can help pay for travel expenses, whether it’s visiting family across the country or returning home to the Philippines to be surrounded by support and care.

Allowing Time Off Work to Focus on Recovery

Healing takes time, and sometimes that means stepping away from work. Living Benefits can replace lost income, giving you the freedom to rest, recover, and regain strength without the added stress of financial strain.

Why It Matters

Traditional life insurance is often seen as something that only helps after someone passes away. But with Living Benefits, your policy becomes a financial safety net you can actually use while you’re still living.

It’s not just about protecting your family’s future—it’s about protecting your present. Living Benefits give you peace of mind, knowing that if life takes an unexpected turn, you and your loved ones will have the resources to stay secure, supported, and focused on what truly matters: health, family, and recovery.