Add Living Benefits Riders for Extra Financial Security
Protect more than just your loved ones—protect yourself.
Living benefits riders are powerful add-ons to your life insurance policy that allow you to access part of your death benefit while you’re still alive. At Lorraine Smith Insurance, we help you add this valuable protection so you can focus on recovery—not financial stress—during a serious illness or injury.
What Are Living Benefits Riders?
Living benefits riders (also known as accelerated benefit riders) are optional add-ons to your life insurance policy. They allow you to access a portion of your policy’s death benefit while you’re alive if you’re diagnosed with a qualifying chronic, critical, or terminal illness. The funds can be used for any purpose—medical care, lost income, or personal needs.
Benefits of Living Benefits Riders
Early Access to Death Benefit
Receive funds while still alive under certain conditions
Affordable Add-On
Low cost for high-impact protection
Use Funds Any Way
Pay for treatments, caregiving, bills, or travel
Peace of Mind
Know you have backup if life takes an unexpected turn
No Additional Policy Needed
Add to your existing term or permanent coverage
Is a Living Benefits Rider Right for You?
You may want to add this rider if you:
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Want access to funds during a serious illness
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Prefer a flexible plan that adapts to life’s uncertainties
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Are concerned about the rising cost of medical care
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Want to enhance your existing life insurance policy
Why Choose Lorraine Smith Insurance?
At Lorraine Smith Insurance, we simplify complex topics and help you make smart, informed decisions about riders and life insurance enhancements.
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Clear explanations about what each rider includes
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Personalized guidance to match your health and financial goals
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Honest recommendations—no pressure, no confusion
We’re here to protect your today and your tomorrow.
