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Honest answers to common questions. Everything you need to know—no fluff, just facts.
Living benefits insurance pays you directly — while you're still alive — if you're injured, sick, or diagnosed with a critical condition. It helps cover income loss, medical costs, and day-to-day bills.
Individuals, families, self-employed workers, and small business owners are all eligible. We even offer coverage options for children.
No — it works with your existing benefits and can pay in addition to them. That’s why it’s called “stackable” protection.
Many plans start on Day 1 — no waiting period. That means if something unexpected happens tomorrow, you’re already protected.
Your plan stays with you, not your employer. Whether you’re changing careers, becoming self-employed, or retiring — your protection goes with you.
Absolutely not. Quotes, consultations, and coverage reviews are always free and no-pressure.