An Integrated Support Tool for Health and Financial Well-Being

Introduction

Life insurance is no longer limited to providing financial protection after the death of the insured. With industry innovations, policies now offer Living Benefits, which allow policyholders to access a portion of their coverage if they face serious health conditions. For the medical community, this represents a complementary resource that supports continuity of care, reduces financial stress, and improves the quality of life for both patients and their families.

The Five Main Living Benefits

• Critical Illness: Access to funds in the event of diagnoses such as invasive cancer, heart attack, or stroke.
• Chronic Illness: When the patient requires ongoing medical care that limits independence.
• Terminal Illness: With a limited life expectancy, funds may be used to plan for dignified final care.
• Severe or Critical Injury: Events such as severe burns or neurological damage with significant costs.
• Alzheimer’s Disease (Recent Addition): A highly relevant inclusion given its progressive nature and need for long-term care.

Simultaneous Medical and Economic Support

One of the greatest strengths of Living Benefits is the flexibility in the use of funds. Policyholders may use them for medical treatments or to cover general expenses (rent, food, debt, children’s education), which is essential when illness prevents steady income.

For physicians, understanding and sharing this tool with patients means providing a broader vision of well-being that embraces physical, emotional, and financial health.

Conclusion

Living Benefits have transformed life insurance into a preventive and supportive tool. Their scope—covering critical, chronic, terminal illnesses, severe injuries, and Alzheimer’s—addresses patient needs both medically and financially, offering stability during vulnerable times.

Note on National Life Group

National Life Group is a U.S.-based insurer with more than 175 years of history, pioneering the integration of Living Benefits in both term life and indexed universal life (IUL) policies. Coverage includes critical, chronic, terminal illnesses, severe injuries, and Alzheimer’s disease, with the flexibility to use funds for medical or general expenses.

Important: National Life Group does not increase policy costs for the inclusion of Living Benefits.

For More Information Contact me:

Raul Briceno
rabrisi@iberameric.com