š” Life Insurance Isnāt Just About Death Benefits
One of the biggest updates in the industry is how more policies today are being structured with living benefits. That means clients can tap into their coverage while theyāre still alive if they face a critical illness, chronic condition, or even just want to build tax-advantaged cash value. This shift is huge because it makes life insurance more than a āsafety netā, itās becoming a tool for financial planning, wealth building, and even retirement strategies. If youāre still thinking of life insurance as something that only pays out when youāre gone, itās worth taking another look. The new generation of policies is about protection + growth + flexibility.