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♛ The King of Living Benefits

The Only Life Insurance That Fights for You While You're Alive

Traditional term only pays when you die. Living Benefits Term pays YOU when you face a critical, chronic, or terminal illness — protecting your family and your finances right now.

Get My Free Quote → How It Works
✓No obligation, ever
✓No medical exam for most applicants
✓Coverage in as little as 24 hours
✓A+ rated carriers · 45+ states
$0
Cost to Get Your Quote
90%
Of Death Benefit Accessible While Alive
500+
Families Protected
A+
Rated Carriers Only
📞
Speak with a Specialist
1-802-277-KING
♛
Licensed Agency · Plano, Texas
⭐
A+ Rated Carriers · AM Best Verified
🛡
Zero Pressure · No Obligation Quotes
⚡
Coverage in 24hrs · Fast Approval
💊
No Medical Exam · Most Applicants
📞
1-802-277-KING · Licensed Specialists
❤️
Critical · Chronic · Terminal · All 3 Triggers
♛
Licensed Agency · Plano, Texas
⭐
A+ Rated Carriers · AM Best Verified
🛡
Zero Pressure · No Obligation Quotes
⚡
Coverage in 24hrs · Fast Approval
💊
No Medical Exam · Most Applicants
📞
1-802-277-KING · Licensed Specialists
❤️
Critical · Chronic · Terminal · All 3 Triggers
Why Living Benefits Term?

Insurance That Works
While You're Still Here

You are 4× more likely to experience a critical illness before age 65 than to die prematurely. Yet most people carry insurance that only pays after death. That's the gap Living Benefits Term was built to close.

Access up to 90% of your death benefit — tax-free — if diagnosed with a qualifying illness. Use it for treatment, mortgage payments, lost income — anything your family needs.

Get Your Free Quote →
Traditional Term
Only Pays After Death
  • No benefit if you survive a heart attack
  • Nothing if you get cancer
  • Zero while you're in treatment
  • Family only benefits after you're gone
Living Benefits Term
Pays You While Alive
  • Pays on critical illness diagnosis
  • Covers chronic long-term conditions
  • Accelerates benefit if terminal
  • Still pays full death benefit too
🫀
Critical Illness
Heart attack, stroke, cancer — access funds immediately on diagnosis.
♿
Chronic Illness
Unable to perform 2 of 6 daily activities for 90+ days.
🕊
Terminal Illness
Life expectancy of 12–24 months — access up to 90%.
♛ Real Client Stories

Real People. Real Living Benefits.

Our clients didn't just buy life insurance — they bought a lifeline they could use while still alive.

★★★★★
"

When I was diagnosed with stage 2 cancer, I accessed $180,000 of my death benefit while in treatment. It paid my mortgage for 14 months. I can't imagine where we'd be without it.

DM
David M.
Dallas, TX
Critical Illness
♛ Most Impactful Story
★★★★★
"

My husband had a stroke six months after we switched. We accessed $95,000 for his rehab and our bills. That one conversation with LivingBenefitsKing saved our family.

SR
Sandra R.
Houston, TX
Chronic Illness
★★★★★
"

42 years old with mild diabetes. Approved for a $500K policy under $80/month, no medical exam. My agent walked me through everything with zero pressure.

TJ
Thomas J.
Plano, TX
No Medical Exam
★★★★★
"

I'm a nurse and thought I knew insurance. I was completely wrong. I've already recommended LivingBenefitsKing to 11 coworkers — every one of them switched.

AM
Angela M., RN
Atlanta, GA
Referred 11 Clients
★★★★★
"

Switched from traditional term — my premium actually went down $14/month while my coverage went up. Wish I found this years ago.

KP
Kevin P.
Phoenix, AZ
Lower Premium
★★★★★
"

As a business owner I was skeptical. They found me a policy covering both key-person business protection and my family. One policy, two powerful purposes.

RC
Robert C.
Chicago, IL
Key Person Coverage
5.0
★★★★★
Average Client Rating
500+
Families Protected
$90M+
Coverage Placed
45+
States Served
100%
Living Benefits Policies
♛ Coverage Calculator

How Much Coverage Do You Need?

Use our DIME-method calculator to get a personalized coverage recommendation in seconds.

Your Information
Annual Income$75,000
$20K$500K
Years Until Retirement25 years
5 yrs40 yrs
Number of Dependents2 dependents
08+
Outstanding Debts$150,000
$0$800K
Your Recommendation
Recommended Coverage
$950,000
Based on your financial profile
Income replacement$750,000
Debt payoff$150,000
Dependents buffer+$50,000
Existing coverage–$0
Recommended Total$950,000
With 2 dependents and 25 years to retirement, a 20-Year Living Benefits Term policy gives you the strongest protection.
♛ Get My Free Quote Now

Estimates only. A licensed specialist provides exact figures at no charge.

♛ FAQ

Questions We Hear Every Day

Everything you need to know about Living Benefits Term — answered honestly.

Living Benefits Term pays YOU while you're still alive — not just your family after you die. It includes critical, chronic, and terminal illness riders allowing you to access up to 90% of your death benefit during a qualifying health event. Traditional term only pays a death benefit. LBT does both — at the same or similar cost.
Bottom line: Same price. Twice the protection.
Regular term pays your beneficiaries when you die. Living Benefits Term also pays you while alive if you face a critical illness (cancer, heart attack, stroke), chronic illness, or terminal illness. Same policy structure — significantly more protection.
1. Critical Illness — Heart attack, stroke, cancer, organ failure. Access funds immediately upon diagnosis.

2. Chronic Illness — Unable to perform 2 of 6 Activities of Daily Living for 90+ days.

3. Terminal Illness — Life expectancy of 12–24 months. Access up to 90% to use however you choose.
In many cases, yes. Many clients convert traditional term to Living Benefits at the same or lower monthly premium while gaining significant added protection. We'll review your current policy at no charge and give you an honest comparison.
Typically up to 90% depending on the carrier and illness severity. For a $500,000 policy, that's up to $450,000 available during a health crisis. The remaining 10% is preserved as a death benefit for your beneficiaries.
Yes — no restrictions. Most clients use funds for medical bills, lost income, mortgage or rent, home modifications, or to maintain their family's quality of life during treatment and recovery.
Yes — any amount you accelerate while alive reduces the death benefit paid to beneficiaries by the same amount. For a $500,000 policy where you access $200,000, your remaining death benefit is $300,000. Most clients consider this an excellent trade-off during a health crisis.
Generally, Living Benefits payouts are tax-free under IRC Section 101(g) when triggered by terminal or chronic illness. Critical illness payouts may vary. Consult a tax professional for your specific situation.
A healthy 35-year-old non-smoker can get a $500,000 / 20-year Living Benefits policy for approximately $25–$55/month. Many clients find LBT costs the same or less than their current traditional term policy.
King's Tip: Every year you wait, your rate increases. Lock in your rate now.
Most applicants do not need a medical exam. Many carriers offer simplified underwriting up to $1,000,000 — evaluated using health questions and prescription history only, completed in minutes online.
Often, yes. Controlled diabetes, hypertension, or past cancer history may affect your rate class but don't automatically disqualify you. We work with multiple carriers and will be completely honest about your options.
Living Benefits Term is generally available for applicants between ages 18 and 70. Best rates are typically between 25–55. If you're over 60, don't assume you're not eligible — we have specialized options.
With simplified underwriting, many applicants receive same-day or next-day approval. Traditional underwriting takes 2–6 weeks. Your specialist will walk you through the fastest approval path for your situation.
Within 1 business day, a licensed specialist contacts you at your preferred time. They present multiple carrier options side-by-side with zero pressure to buy. If you want to think it over, we completely respect that.
Absolutely. Your information is encrypted, never sold to third parties, and used solely to provide insurance quotes. We comply with all applicable state insurance privacy laws.
Yes. All policies include a free-look period (typically 10–30 days) during which you can cancel for a full refund of any premiums paid.

Still have questions? A licensed specialist is ready to walk you through everything — no obligation, no pressure.

♛ Get Your Free Quote
♛ Free · No Obligation · No Spam

Get Your Living Benefits
Term Life Quote

Discover your personalized rate in minutes. Coverage that protects you while you're alive — not just when you're gone.

1
Personal
2
Health
3
Coverage
4
Beneficiary
5
Review
Step 1 of 5

Personal Information

Tell us about yourself so we can find the best rates for you.

Please enter your first name
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Please enter your date of birth
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Step 2 of 5

Health Information

Health details help find the most accurate rates. All information is kept strictly confidential.

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Step 3 of 5

Coverage Details

Customize the protection amount and term that fits your family's needs.

$500,000
Coverage Amount
$50K$100K$150K$200K$250K$500K$750K$1M$1.5M$2M+
Please select a term length
Why Living Benefits Term? Unlike traditional term, a Living Benefits policy lets you access up to 90% of your death benefit if diagnosed with a critical, chronic, or terminal illness — your coverage works for you while you're still alive.
Step 4 of 5

Beneficiary Information

Who should receive the policy benefit? You can update this anytime after the policy is issued.

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Note: Your quote is 100% obligation-free. A licensed specialist will walk through your options — no pressure, ever.
Step 5 of 5

Review & Submit

Confirm your information before we prepare your personalized quote.

Estimated Monthly Premium
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Actual rate provided by licensed specialist
✓ No obligation

Personal

Name
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Email
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Health

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Coverage

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Term Length
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Beneficiary

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✓

Quote Request Submitted!

Thank you! A licensed Living Benefits specialist will reach out within 1 business day with your personalized rate options.

What happens next:

① We review your info with top-rated carriers

② Specialist contacts you at your preferred time

③ You receive multiple no-obligation quotes

④ You choose the best plan — or walk away, no pressure

♛
Wait — Before You Go

Get Your Free Living Benefits Survival Guide

Download "7 Things Your Life Insurance Agent Never Told You About Living Benefits" — the insider guide to insurance that works while you're still alive.

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