Living Benefits Life Insurance
Protect Your Family, and Yourself, While You’re Still Living
Life insurance shouldn’t only help your family after you’re gone. With Living Benefits life insurance, you can access part of your policy while you’re alive, when life hits you unexpectedly.
A serious illness, injury, or medical emergency can change everything. Living Benefits give you financial breathing room so you can focus on recovery, not bills. At Madrinas Insurance, we help you choose a plan that protects your future and supports you today.
Get your free consultation and learn what benefits you qualify for.
Why Choose Living Benefits?
Financial Support When You Need It Most
If you’re diagnosed with a qualifying illness or injury, you may access money from your life insurance policy to help pay for:
- Medical bills
- Lost income
- Rent or mortgage
- Household expenses
- Transportation or caregiver support
Tax-Free Cash Access
Living Benefits payouts are typically tax-free, so you keep more of the money intended to help you.
Affordable and Flexible Plans
Plans are designed to fit your budget, age, and health profile. You can choose the coverage level that suits your family.
Protect Your Loved Ones
You still keep a portion of your life insurance benefit for your family, even if you use Living Benefits.
Peace of Mind During Life’s Toughest Moments
No one plans for cancer, stroke, heart attack, or other major health crises. Living Benefits help families stay stable and avoid financial stress.
Who Is Living Benefits Insurance For?
- Families who want extra protection
- Anyone caring for children, seniors, or dependents
- People who want access to funds during a medical emergency
- Those who want life insurance that works during their lifetime
Stories From Families Like Yours
“I never thought I could retire comfortably, but my Madrina helped me set up an annuity that gives me monthly income for life. I feel secure knowing I won’t outlive my savings.”
– Hector S.
“They explained everything in simple terms and helped me combine my life insurance and retirement savings. Now I know my family and my future are protected.”
– Lucia R.
Frequently Asked Questions (FAQ)
What are Living Benefits?
Living Benefits allow you to access part of your life insurance policy if you’re diagnosed with a qualifying illness or serious injury.
Do Living Benefits cost extra?
Some plans include them automatically. Others require a small upgrade. We’ll help you choose the most affordable option.
Will using Living Benefits reduce my life insurance payout?
Only the amount you use. Whatever you don’t use remains for your family.
What conditions qualify for Living Benefits?
Depending on your plan, qualifying events may include cancer, stroke, heart attack, major injury, chronic illness, or critical illness.
Do I have to be hospitalized to access the benefit?
Not always. Different plans have different requirements. We’ll explain what you qualify for.
Is this available even if I already have life insurance?
Possibly. Some policies can be upgraded. We’ll review your current coverage for free.
Don’t wait for an emergency to protect your family.
Call Madrinas today or schedule your free consultation. Your Madrina’s Advisor will guide you step by step with clarity and care.
