Modern Living Benefits Life Insurance
Life Insurance That Protects Your Future Today.
Don't just leave your family unprotected after you're gone.
Access your benefits while you're still alive with Living Benefits coverage that helps when you need it most.
Thousands of Families Helped
A+ Rated Carriers
David Form Goes Here
What Are Living Benefits?
Traditional life insurance only pays out after death. But what if you need help while you're still alive? Living benefits let you access a portion of your death benefit early if you're diagnosed with a qualifying serious illness.
This means your policy protects your family's future and gives you a financial safety net if life throws you a curveball.
Critical Illness
Access a portion of your death benefit if diagnosed with a qualifying critical illness like heart attack, stroke, or cancer.
Chronic Illness
Receive funds if you become chronically ill and unable to perform daily activities, helping cover care costs.
Terminal Illness
Access accelerated benefits if diagnosed with a terminal illness, giving you financial freedom when you need it.
Often Included
Living benefits are often built into policies at no additional premium cost. Ask your agent about available options.
How It Works
Getting protected is simple. Here's what to expect when you start your journey with Future Covered.
Share Your Needs
Answer a few simple questions about your coverage goals and family situation.
Connect With Your Agent
Connect with a licensed agent who specializes in living benefits coverage.
Get Your Custom Plan
Receive a personalized protection plan tailored to your specific needs and budget.
Secure Your Coverage
Complete your application and get protected, often with no medical exam required.
Access to Top
A-Rated Carriers
Nationwide
Agent Network
Top
National Carriers
Real Stories from Real Families
“After my cancer diagnosis, I was surprised to learn my life insurance could support us while I was still here. Those living benefits gave our family peace of mind when we needed it most.”
Rita F.
Ocean City, MD
“When I had a stroke, I never thought my life insurance could help while I was still here. The living benefits helped cover expenses and gave our family peace of mind during recovery.”