Living Benefits Life Insurance with Early Access Coverage
Protect more than your future - secure your present.
Living benefits insurance gives you access to a portion of your life insurance while you're still alive, if you're diagnosed with a serious illness or injury. At Lorraine Smith Insurance, we offer policies that combine protection and financial support, so you can focus on recovery without financial stress.
What Is Living Benefits Insurance?
Living benefits life insurance allows policyholders to access part of their death benefit while they're still alive under certain conditions - such as a chronic, critical, or terminal illness. This feature is typically included in many modern life insurance policies and gives you financial relief when it matters most.
Benefits of Living Benefits Insurance
Early Access to Funds
Get cash during a serious illness or medical crisis
Peace of Mind
Focus on recovery, not bills
Financial Relief
Cover medical bills, mortgage payments, or lost income
Combined Protection
Life insurance that supports you during life and after
No Restrictions
Use funds however you need—treatment, travel, or care
Is Living Benefits Insurance Right for You?
You might benefit from living benefits insurance if you:
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Want life insurance that supports you during a serious illness
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Want flexibility and peace of mind for your future
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Are concerned about high medical costs or income loss
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Need a safety net that helps protect your financial stability
Why Choose Lorraine Smith Insurance?
​At Lorraine Smith Insurance, we go beyond just selling life insurance. We help you understand how living benefits can provide real, practical support.
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Tailored advice based on your unique needs and health history
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Honest, easy-to-understand policy options
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Friendly, experienced support throughout the process
Your peace of mind is our priority—from today into the future.
