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.

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