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Living Benefits have been around for 20 years, yet most Americans still don't know what they are or what they do.

KPP specializes in living benefits that allow policy-holders to access their death benefit to get money in their hands when they need it most if they suffer a heart attack, stroke, cancer, or other qualifying illness. And the best part is these benefits, many times, come at NO ADDITIONAL COST. While life insurance generally benefits your loved ones after you pass away, it can also benefit them (and you) before that time comes through something known as living benefits.

Living benefit options for life insurance allow access to a portion of the death benefit tax free while living for the following events:

  • Chronic Illness: Cannot perform 2 of the 6 activities of daily living which include eating, dressing, continence, bathing, transferring, and toileting.
  • Critical Illness: There are 16 triggers which include heart attack, stroke, invasive cancer, ALS, to name a few.
  • Terminal Illness: Insured is diagnosed with an illness or condition that is expected to result in death within 24 months.

Learn More About Living Benefits of Life Insurance


Here’s what our client family has to say about the role Key Planning Partners has played in their lives.

Living Benefits

Real Clients. Real Stories.