Myth: “I won’t be here to spend the life insurance death benefit.” 

One of the most popular reasons for buying life insurance is ensuring your family’s financial security after you’re gone. But the truth is, life insurance has many living benefits, too. 

Some term life insurance policies allow you to access a portion of your death benefit if you are ever diagnosed with a qualifying illness, which you can use however you wish. Power of cash value And permanent life insurance has the ability to accumulate cash value, which can be accessed by taking distributions. 

You can use that money for whatever you like, such as for an emergency, a down payment on a house, or a child’s education—no questions asked! Or you can let the cash value continue to grow, which could help supplement your retirement income.* The choice is yours. 

Learn more about life insurance’s living benefits. 

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