Qualifying conditions
Understand how chronic, critical, or terminal-illness definitions may differ by carrier, policy, rider, and state.
Let’s talk Living benefits
Protection that may help while you are still living.
Certain policies include accelerated-benefit riders that may allow eligible policyholders to access part of the death benefit after a qualifying event.
Request a personalized reviewPersonal guidance.
Thoughtful comparisons.
Thoughtful comparisons.
Policy features matter
Know what “living benefits” actually means.
Living benefits are not a separate investment account or health-insurance replacement. They generally refer to riders that accelerate a portion of a life policy’s death benefit after a covered qualifying event.
Definitions, waiting periods, benefit calculations, and exclusions vary. That makes careful policy comparison and a clear explanation especially important.
Courtland helps families evaluate whether these features align with their protection goals while understanding how using them may reduce the amount ultimately available to beneficiaries.
What we help you consider
Practical priorities
Discuss how a serious illness could affect income, care needs, household expenses, and family responsibilities.
Clear tradeoffs
Review rider availability, eligibility, benefit limits, costs, exclusions, and the impact of acceleration on remaining benefits.
A clearer next step
Compare options around your priorities.
Accelerated death benefits are subject to eligibility requirements and policy provisions. Exercising a rider reduces the policy’s death benefit and may affect cash values, taxation, or eligibility for public assistance. Consult qualified tax or legal professionals regarding individual circumstances.