About us
Life insurance was never supposed to be a mystery
WhatIsLivingBenefits.com exists because the single most useful feature in modern life insurance — getting paid while you're alive — is also the least understood. We built the encyclopedia we wished our clients had found first.
Education first
Most people have never heard of living benefits until a friend files a claim. We publish everything — definitions, payout math, tax rules, claim steps — so you can verify anything we say.
Strong carriers only
A rider is a promise, and promises are only as good as the company behind them. We center our practice on financially strong carriers with proven living benefits claims experience.
Advice, not pressure
If a plain term policy elsewhere fits you better, we'll say so. Our job is to match your family with coverage you'll keep — not to win the week's sales contest.
Our featured carrier
Why we lead with National Life Group
Founded in 1848 in Montpelier, Vermont, National Life Group is one of the oldest life insurance groups in America — and one of the pioneers of no-additional-premium living benefits. Its member companies (National Life Insurance Company and Life Insurance Company of the Southwest) include accelerated benefit riders for terminal, chronic, and critical illness and critical injury on eligible term and permanent products.
That combination — a full rider suite, included at no added premium, from a carrier with an A+ (Superior) AM Best rating (as of 2025) — is why National Life Group is our starting point for most families. When a different carrier fits your health or goals better, we'll show you that too.
At a glance
- Founded
- 1848 — 175+ years of claims-paying history
- Rating
- A+ (Superior) from AM Best, as of 2025
- Riders
- Terminal, chronic, critical illness & injury
- Rider cost
- No additional premium on eligible products
We are an independent website and agency, not National Life Group. Ratings are subject to change; product availability varies by state.
How we work
From first question to policy in hand
- 1
You call or request a callback. We learn your goals, health basics, and budget.
- 2
We compare eligible products and show you the living benefits on each — side by side, in plain English.
- 3
You apply. We shepherd underwriting, chase the paperwork, and keep you posted.
- 4
Your policy arrives. We walk through every rider so your family knows exactly what it can do.
- 5
Life happens. If you ever need a claim — living or otherwise — we're the first call your family makes.
No pressure. No obligation. Just answers.
Protect your family — and yourself
Get life insurance that pays when you die, and when life goes sideways while you're living. A licensed agent will walk you through it in one short call.