Posted on April 15th, 2025

by Verby Bermudez

2.5 min read

Why modern families need smarter protection in today’s world.

In today’s high-speed, high-stress world, the traditional idea of life insurance just doesn’t cut it anymore. Most people think of life insurance as something you get for your family after you're gone. But what if your greatest need… happens while you're still alive?

That’s where Living Benefits come in.

Living Benefits are a modern upgrade to life insurance—they allow you to access your policy while you’re still alive, in case of a serious illness, injury, or emergency. But here's the thing most people don't know:

Not all Living Benefits are created equal.

Many insurance companies limit their coverage.
They exclude critical injuries.
They don’t help with Alzheimer’s unless you pay extra.
They offer nothing for families going through a fertility journey.
And worse—some policies deny coverage if the illness is caused by a pandemic or terrorism.

But fortunately, my wife and I were informed about a company that pioneered Living Benefits. They offer complete protection—without increasing our premiums.

For the same cost we were already paying with our old provider, our new policy includes:

Critical Illness Coverage

Chronic Illness Coverage

Terminal Illness Coverage

Critical Injury Coverage

Alzheimer’s Coverage

Fertility Journey Fund

And yes—coverage even if it’s caused by a pandemic or terrorism

This isn’t just life insurance—it’s life protection.

If you’re a college student planning your future, a working professional building your career, a business owner or a parent protecting your family—make sure your coverage is complete. Don’t settle for half-measures when the complete Living Benefits are available—at no extra cost.

We didn’t pay more. We just made a smarter decision.

The best time to start was yesterday—the second best time is today! 🌱 While time is on your side, schedule a free one-on-one appointment with a financial pro—email at [email protected].

Prefer to chat? Text 'PLAN' to (832) 885-2067. Available: 📅 Monday–Thursday: 8 AM–5 PM (PST) 📅 Friday: 8 AM–12 PM (PST) 

*Living Life Defender all-inclusive flagship product is an exclusive life insurance product designed for and distributed by Premier Financial Alliance. The owners and financial professionals at Vandj Life are proud affiliates of PFA and are appointed with National Life Group. This permanent life insurance policy offers both protection and the potential for cash value growth. Issued by Life Insurance Company of the Southwest®, a member of National Life Group®, it represents the next evolution in our shared commitment to financial security.