The What If Plan^™

Most people understand that life insurance may provide a benefit after someone passes away. Fewer people know that certain policies may also provide access to a portion of the death benefit while the insured person is still living.

The What If Plan is a practical financial education experience about preparing for the unexpected.

What if a serious illness keeps you from working?

What if your household loses income while expenses continue?

What if family members want to help but cannot afford to?

What if savings, retirement accounts, credit cards, or crowdfunding become the only available options?

This event will explore how living-benefit features may help eligible policyholders access funds following a qualifying critical, chronic, or terminal illness.

The goal is not to plan from fear. It is to create a strategy before an emergency forces your family to depend on savings, debt, crowdfunding, or financial help that may not be available.

Critical Illness

Learn how certain policies may provide access to benefits following a qualifying critical illness or covered event, such as a heart attack, stroke, cancer diagnosis, or another condition defined by the policy.

Chronic Illness

Understand how benefits may become available when an insured person meets the policy requirements for a qualifying chronic illness or needs assistance with certain activities of daily living.

Terminal Illness

Explore how an accelerated death benefit may provide access to a portion of the policy benefit following a qualifying terminal diagnosis.

Income and Household Protection

Discuss how living benefits may help with mortgage or rent payments, household bills, medical expenses, transportation, caregiving, and other financial responsibilities.

Family and Caregiver Support

Consider how having a financial strategy may reduce the pressure placed on spouses, children, relatives, and friends during a serious health event.

A Fundraiser Is Not a Financial Plan

Families often turn to savings, retirement accounts, credit cards, loans, relatives, or online fundraising after an unexpected diagnosis.

Those resources may help, but they are not guaranteed—and they often arrive after the financial pressure has already begun.

The What If Plan encourages individuals and families to ask important questions while they are healthy enough to explore their options.

Living-benefit availability, definitions, eligibility, benefit amounts, and policy charges vary by carrier, product, state, and contract. Accelerating benefits may reduce the remaining death benefit and may have tax or public-assistance implications.