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Living Benefits
Policies that let you access your death benefit early for chronic, critical, or terminal illness.
What to expect
Simple, no-pressure process
1. Quick call
Tell Test about your goals and budget.
2. Compare options
I shop multiple carriers to find the right fit.
3. Get covered
Apply with guidance every step of the way.
Carriers
Companies I can quote
Agent-supplied credentials
Check my licenses
Choose your state
State not listed? Ask the agent for your state’s credentials before sharing personal information or proceeding with an application.
FAQ
Common questions
Other coverage
Explore more options
Term Life
Affordable protection for a set number of years — ideal for income replacement, young families, and covering debts.
Learn more →Whole Life
Permanent coverage that lasts your entire life, with guaranteed premiums and cash value that grows over time.
Learn more →Indexed Universal Life
Flexible permanent coverage with cash value growth tied to a market index, with downside protection.
Learn more →Final Expense
Smaller whole life policies designed to cover funeral costs and final bills so loved ones are not burdened.
Learn more →Mortgage Protection
Coverage designed to pay off or keep up with your mortgage if something happens to you.
Learn more →Annuities
Turn savings into guaranteed income for retirement, with options for growth and protection.
Learn more →Let's talk about Living Benefits
Review the state record, then ask the agent about your needs, available coverage and next steps.