Living benefits
Understand when a policy may help during life.
Some life policies offer accelerated death benefits for qualifying conditions. Eligibility and the amount available depend on the policy and rider.
Questions worth exploring
- Which conditions qualify under the contract?
- What documentation is needed to make a claim?
- What costs and benefit reductions apply?
Before you decide
An accelerated payout generally reduces the remaining death benefit. Ask how it affects policy values and discuss possible tax or public-benefit implications with a qualified professional.
Let’s talk about your goals.
Reginia Smith can help you explore your questions and understand the options available for your circumstances. Coverage is subject to eligibility, underwriting, policy terms, and state availability.
Consumer resource: Texas Department of Insurance guide ↗