Carol and Darryl Mosley thought they had all of their boxes checked. They owned life insurance. But their policies were the "old kind" of life insurance - traditional policies that only pay out upon the death of the policyholder. Luckily, their agent reached out to them and introduced them to Living Benefits, a new kind of life insurance that added the ability for Carol and Darryl to access their policy's benefits while they were still alive if they were to suffer a major illness or injury. Their choice to upgrade to Living Benefits-enhanced coverage would soon prove to be a crucial decision.

When Amanda Thomas was diagnosed with thoracic cancer shortly after delivering their fourth child, her family’s world was turned upside down. She would spend a year out of work while undergoing grueling chemo treatments. Her job dropped her from their health insurance. Her paychecks stopped coming in. Meanwhile, the medical expenses were piling up. Thankfully, Amanda and her husband Eugene had prepared for this very situation back when she was healthy by putting a Living Benefits life insurance plan in place for their family. Utilizing her policy’s built-in Critical Illness rider, Amanda was able to accelerate $405,000 of her life insurance policy's death benefit to get a tax-free check for $343,000 in her hands.

Kevin Hay was a perfectly healthy man in his 40's, running a successful chiropractic practice and raising six kids with his wife, Shannon. He started funding an IUL policy with Living Benefits as a means to plan for retirement. Kevin had no way of knowing how that decision would wind up shaping the future of his family for generations to come. Watch as Shannon tells the story of the three separate times that Kevin's IUL plan sprang into action for his business and his family when it was needed the most.

Latasha McCray was living her life to the fullest - she was in perfect shape, had a great job and a financial plan for the future. But when a breast cancer diagnosis turned her world upside down, Latasha found all of her well-laid plans crumbling around her. Even though she had great health insurance, her plan didn't cover all of her treatment costs. As the bills began to pile up, Latasha was forced to go on unpaid medical leave, dropping her income to zero. Watch as Latasha tells the story of how her Living Benefits life insurance plan sprung into action at the time she needed it most, leaving her plenty of money to replace her lost income and pay for all of her medical treatments en route to a full recovery.

Elizabeth Martinez Genova was busy living her life to the fullest. She had served in the military, graduated law school, raised a wonderful son, and spent her spare time traveling the world and exploring different countries and cultures. When her friend Alberto Carballeira approached her about Living Benefits life insurance, she was hesitant at first. But after learning about how Living Benefits could allow her to access her death benefit while she was still living if she ever got sick, Elizabeth saw the value in it and put a policy in place for herself. That decision would prove to be one of the most important and impactful choices she ever made.

Jim Johnston was healthy – he surfed, he golfed, and was active. He had no reason to think he was going to get diagnosed with cancer. When he discovered a lump under his jawline while shaving, his world was changed in an instant. Watch as Jim and his wife Anne relive his unexpected throat cancer diagnosis, and how his Living Benefits life insurance policy ultimately saved them from financial disaster.

Cornelia Steinberg didn’t think she needed life insurance. Her ex-husband earned good money in his job, and she figured that if anything ever happened to her, her daughter would be well taken care of. However, once Cornelia’s friend and adviser explained the reasons that owning Living Benefits life insurance made sense for her, Cornelia immediately saw the value as a “no-brainer”. A few months later, that decision proved to be, as she says in the video, one of the best she’s ever made.

Brutally attacked at her place of employment as she pulled into work one Monday morning, Heilyn Hernandez Pages was doused in gasoline and set on fire. The attack left her with severe burns covering the majority of her body. Heilyn’s miraculous road to recovery would prove to be a costly one, requiring multiple graft surgeries and occupational therapy to regain full mobility. She was unable to work while in the hospital, and her income dropped to zero. As the sole provider for her household, which includes her young daughter and both of her parents, Heilyn was able to avoid financial ruin by accelerating $425,000 from her Living Benefits term policy. As fate would have it, she had set the policy up only nine months before the attack took place.

Joelma Dias wasn’t convinced she was having a stroke. During a fun night of hanging out with her friends at church, the right side of her body suddenly began to feel weak. Joelma felt fine otherwise, and insisted that she was going to head home and get some rest. Luckily, a friend of hers convinced her to go to the hospital instead, where she learned she had suffered a life-threatening stroke.

Keith Rowe was in the best shape of his life. As a soldier on active duty, he was fit and healthy. He has no idea that he would soon be in the fight of his life. After experiencing symptoms while away at a military training school, Keith was diagnosed with testicular cancer. Over the next several years he would battle through the initial diagnosis, remission, and then a recurrence eight months later which necessitated three rounds of grueling chemotherapy. Keith was able to use the Living Benefits on a permanent life insurance policy he had set up as a tax-free retirement vehicle years earlier to get $60,000 in his hands when he needed it most. He says putting that policy in place was one of the best decisions he ever made.

When business owner Devan Shockley was diagnosed with a malignant melanoma in his calf, he and his wife Cathleen were shocked to find that their excellent health insurance left a gap of more than $30,000 to treat his cancer. To their vast relief, Living Benefits was available on their life insurance policy, and they were able to accelerate nearly $200,000 to get the relief they needed en route to a full recovery.

Rickson Amorim had built a successful career helping his client protect themselves with a revolutionary new kind of life insurance. He never imagined he would find himself utilizing his own Living Benefits policy after an out-of-the-blue medical emergency. Watch as Rickson and his wife Bianca tell the harrowing story of a sudden, unexplained cardiac arrest that left him clinging to life in a coma. His Living Benefits life insurance policy paid out over $250,000, leading to a miraculous recovery and ensuring a bright, healthy future for Rickson and his new bride.

When busy mom and small business owner Natalia Oliveira began feeling pain in her back that wasn’t going away, she went to the doctor to get it checked out. Cancer was the furthest thing from her mind. Watch as Natalia shares the story of her diagnosis and ensuing battle with Hodgkins lymphoma. Her Living Benefits life insurance policy kicked in to put $280,000 in her hands, saving her family and business from financial ruin.