With a living benefits the policy owner can accelerate the money in the policy in case of a Terminal, critical or chronic Illness,
Up to 90% of the face amount, This is the type of Policy that
"You don't have to die to receive".
If you have a family that depends on you
If you have a mortgage to pay every month 
If you don't have any emergency funds to keep you or business afloat while going through a Illness situation.
YOU NEED A POLICY WITH LIVING BENEFITS!!!
It cost the same as your tradicional insurance but with more than 20 triggers that allows you to access the money.