Most people think of life insurance only as a payout for loved ones after death. But what if your greatest financial risk isn’t passing away, but living through a serious illness or injury? That’s where living benefits in life insurance come in. They allow you to access your death benefit early, when life throws an unexpected financial curveball. Here are a few real-world scenarios where living benefits can make all the difference: A Heart Attack at 45 Imagine you’re 45, heal