Life Insurance with
Living Benefits
Coverage that protects your family's future — and gives you access to benefits while you're still alive.
More Than a Death Benefit
Traditional life insurance pays a death benefit to your beneficiaries after you pass. But Life Insurance with Living Benefits goes further — it allows you to access a portion of your death benefit while you are still alive, under certain qualifying conditions.
These living benefits can be a financial lifeline if you are diagnosed with a critical illness such as cancer, suffer a heart attack or stroke, or need long-term care. Rather than depleting your savings or going into debt, you can access your own policy's funds.
At Community Advisors of America, our licensed agents will help you understand which type of life insurance — term, whole, or universal — best fits your family's needs and budget.
Types of Life Insurance We Offer
Term Life Insurance
Coverage for a specific period (10, 20, or 30 years). Simple, straightforward, and the most affordable protection for your family during critical working and mortgage years.
Whole Life Insurance
Permanent lifetime coverage with guaranteed death benefits and cash value component that grows steadily tax-deferred over your entire lifetime.
Universal Life Insurance
Flexible permanent insurance that allows you to adjust your premium payments and death benefit amounts as your family circumstances and goals evolve.
Benefits You Can Use Today
Living benefits let you access a portion of your life insurance death benefit while you're still living, when you need it most.
Critical Illness Benefit
Access funds if diagnosed with a covered critical illness such as cancer, heart attack, or stroke.
Chronic Illness Benefit
If you can no longer perform daily activities due to a chronic illness, your policy can provide financial support.
Terminal Illness Benefit
If diagnosed with a terminal illness, access your death benefit early to manage care costs and final expenses.
Frequently Asked Questions
Ready to Protect Your Family?
Speak with a Community Advisors of America agent today for a free, personalized life insurance consultation.