Standard policies only pay out when you pass away. **Living Benefits** allow you to access up to 80%+ of your tax-free cash payout while you're still alive if faced with critical illness, heart attack, cancer, or stroke—protecting your family and retirement nest egg.
80%+
Early Access Payout
$0
Tax on Living Benefits
100%
Income & Asset Shield
Free, zero-obligation Living Benefits eligibility review in under 2 minutes.
Medical emergencies are the leading cause of personal bankruptcy in the U.S. Modern living benefits ensure a health event doesn't ruin your financial future.
Access cash directly from your policy if you suffer a major medical event such as a heart attack, stroke, invasive cancer, or organ failure.
If you are unable to perform 2 out of 6 Activities of Daily Living (ADLs) like bathing or dressing, your policy provides tax-free monthly income.
Accumulate cash value with downside market protection. Access funds tax-free during retirement to supplement your lifestyle without market risk.
| Feature / Benefit | Traditional Life Policy | Empower Collective Living Benefits |
|---|---|---|
| Death Benefit Payout | Included | Included |
| Critical Illness Cash Payout (Heart Attack, Stroke) | No Coverage | Up to 80% Payout Alive |
| Income Replacement During Health Crisis | No Coverage | Tax-Free Cash Access |
| Tax-Advantaged Cash Growth for Retirement | Rare / Minimal | High Growth Potential |
Estimate how much Living Benefit protection your family needs.
Recommended Living Benefit Reserve
$300,000
Includes replacement income + emergency medical cash buffer.