If you got sick and couldn't work, would your bills still get paid?
Living Expense Protection is a type of life insurance that can pay part of your benefit to you, while you're alive, if you're diagnosed with cancer, a heart attack or a stroke.
See what you qualify for
60 seconds · A licensed specialist contacts you to go over options · No obligation
Use it on the mortgage, the car payment, the groceries. Whatever keeps the house running while you get better.
- Paid to you, not the hospital. You decide which bills it covers.
- Never get sick? Your family still receives the death benefit while you're covered.
- You can only set it up while you're healthy. A diagnosis closes the door.
What would it take to keep your household running?
Your paycheck stops. Your bills don't. Move the sliders to match your monthly bills and see what they add up to while you recover.
- Every month
- $3,620
- Your paycheck
- $0 while you recover
Your bills over 2 years
$86,880
That's $3,620 a month that keeps coming, paycheck or not.
With Living Expense Protection, part of your benefit can be paid to you to cover these, so you can focus on getting better.
This is what your bills add up to, not a benefit amount. How much of your policy you can access depends on the illness, the carrier and the plan. Your specialist will walk you through it.
It pays you if you get sick. It pays your family if you don't.
Set it up while you're healthy
You take out a life insurance policy with living benefits, sized to your bills and your budget.
Life happens
You're diagnosed with a qualifying illness like cancer, a heart attack or a stroke, and you can't work.
You get paid while you're alive
You claim part of your benefit as a lump sum and spend it on the mortgage, the car payment, the groceries.
Never get sick?
Nothing is wasted. With permanent coverage, your family receives the full death benefit when you pass away.
Yes. It's life insurance built to help you while you're alive.
Living Expense Protection is a type of life insurance. Basic policies only pay when you're gone. This one can also pay you if you get seriously ill, so the bills keep getting paid.
| Feature | Basic life insurance | Living Expense Protection |
|---|---|---|
| Pays your family if you pass away | Yes | Yes |
| Pays you if you're seriously ill | Usually not | Yes, for qualifying illnesses |
| Who gets the money | Your family, later | You now, your family later |
| What it covers | Life after you're gone | Your mortgage and bills while you recover |
| When you can get it | While you're healthy | While you're healthy |
Qualifying conditions, benefit amounts and availability vary by carrier and state. Your specialist will explain exactly what your policy covers.
Your bills don't stop because you're sick.
44%
of people who filed for bankruptcy said income lost to illness helped push them there.
American Journal of Public Health, 2019
37%
of US adults couldn't cover a surprise $400 bill with cash. Now imagine months without a paycheck.
Federal Reserve, 2026 report
40 seconds
is how often someone in the US has a heart attack. Same again for strokes.
CDC
4 in 10
men will be diagnosed with cancer in their lifetime.
American Cancer Society
Most people plan for dying. Few plan for getting sick and living through it. That's the gap Living Expense Protection fills.
Here's exactly what happens after you tap the button.
- Now
Answer a few quick questions. It takes about 60 seconds.
- Next
Confirm your phone with a quick text code, so your details only go to you.
- Meet your specialist
The next page shows you who's helping you and the number they'll use. They'll usually send a text first, then call. Save the number so you know it's them.
- Your call
They'll ask about your bills, your health and your budget, then show you options that fit. If it's not right for you, that's the end of it. No pressure.
Straight answers
The best time to set this up is while you don't need it.
Once there's a diagnosis, it's too late to add. Today, it takes 60 seconds to see what you qualify for.
60 seconds · No obligation · Secure and confidential