Dial into living benefits
Planning for life's unexpected events
Life insurance provides many solutions for your client and is an important part in creating a financial plan.
Most importantly, it provides a death benefit for a client's family when they may need it most.
Talk to your client about additional benefits while they are still living and boosting the value of their life insurance policy with critical, terminal and chronic illness living benefit riders.

Expenses living benefits can help you cover
Once qualified, how you spend is unrestricted
Life insurance is most often thought of as protection for your loved ones when you’re no longer around. An indexed universal life (IUL) insurance policy from F&G can also help you while you’re still living. That’s especially true in times of need.
Reasons you might need living benefits
Provisions cover wide variety of illnesses, conditions
What if life insurance could be used while you’re still around to benefit from it?
It can.
Indexed universal life (IUL) insurance from F&G comes with living benefits that can be accessed if you’re diagnosed with any number of medical conditions.
Accelerated death benefit riders for critical,1,2,4 terminal1,3,4 or chronic illness,1,4,5 included for no additional premium, let you use a portion of your death benefit while you’re alive.
How do I qualify for living benefits?
Here are just some of the reasons you might need to tap into your IUL policy's living benefits:
- Severe injury
- Severe illness
- Disability (two common causes you might not think of are arthritis and back pain)
- Cancer
- Stroke
- Heart disease
- Organ failure
- Dementia (for example, Alzheimer's)
- Loss of sight, hearing or the ability to speak
- Emphysema or chronic obstructive pulmonary disease (COPD)
- Advanced diabetes
- Kidney disease
- Osteoporosis
Watch videos to further dive into personal living benefits stories and testimonials.
Call us today
Reach out to us today to get help identifying where your client’s needs land on the F&G Benefit Dial and which product they’re most likely to agree to purchase. We can also help you run an illustration and discuss any other opportunities you might have.
Contact us at Life.Sales@fglife.comFor financial professional use only. Not for use with the general public.
ADV5672(06-2025) - 25-0745
1The accelerated benefit paid will be based on the age and severity of illness and will be less than the accelerated amount due to receiving the death benefit prior to the death of the insured and the administrative fee. The death benefit will be reduced by the full, accelerated amount. Benefits under these riders are intended to qualify for favorable tax treatment, ultimately these benefits may or may not be taxable. You should seek assistance from your personal tax advisor before exercising this benefit.
2For the critical illness rider, a covered illness must first occur on or after the effective date of the rider. If you choose to accelerate the critical illness rider, both the terminal illness and chronic illness riders terminate.
3Subject to state availability. Certain restrictions may apply.
4The rider is not available when the insured life is rated higher than table 4 or if there is a flat extra rating per $1,000.
5This is a life insurance policy that gives you the option to accelerate some or all of the death benefit in the event you meet the criteria for a qualifying event described in the rider. Accelerated benefits depend on policy values at the time of acceleration. Accelerated benefits paid will reduce the death benefit and use of the proceeds are unrestricted. Comparatively, Long Term Care benefits are expense reimbursements based on benefit levels and a pool of money selected at the time of purchase. Long Term Care benefit will not reduce death benefits and the proceeds must be used for Long Term Care services. This policy and riders do not provide long term care insurance subject to California long term care insurance law. This policy and riders are not a California Partnership for Long-Term Care program policy.
“F&G” is the marketing name for Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York. Life insurance and annuities issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA.
Subject to state availability. Certain restrictions may apply. Optional provisions and riders have limitations, restrictions and additional charges.