Living benefits life insurance explained

Life Insurance You Don't Have to Die to Be Able to Use

Traditional life insurance is designed to provide a death benefit to your beneficiaries. Life Insurance with Living Benefits redefines that standard by granting you early access to a portion of your death benefit upon the diagnosis of a qualifying critical, chronic, or terminal illness. This accelerated benefit places control directly in your hands, allowing you to allocate funds toward medical expenses, replacing lost income, paying your mortgage, groceries etc. This is your money to do anything you want with. It is a comprehensive form of protection that you do not have to pass away to use. Best part, it costs the same as traditional life insurance. Discover your eligibility today.

WHAT YOU GET

A personal insurance plan built around your life

Howard Shanley sits down with you, sorts through the options, and puts together coverage that fits your family and your budget. No call centers, no pressure.

Insurance agent meeting with a couple in their home
Insurance advisor reviewing a policy quote with a couple at their kitchen table in a sunlit home

Quotes for life insurance with living benefits

Get a personalized quote from the Shanley Insurance Agency for life insurance that you can use while alive. Known as Living Benefits, this coverage lets you access your death benefit early if you face a covered critical, chronic, or terminal illness. Instead of waiting until after you’re gone, you can use those funds to cover mortgage payments, everyday bills, replace lost income, medical costs health insurance won’t touch, or travel and recovery expenses—all without draining your savings. It’s practical protection designed to guard your income and keep your family’s finances on track when it matters most. Based in Six Mile and serving all of Pickens County and the Upstate South Carolina, Howard Shanley brings over 38 years of independent experience directly to your home or phone or computer. Contact our office for your "Free Life Insurance with Living Benefits" quote!