Living Benefits
Explain the feature carefully and define what “may” means.
Living benefits often refer to policy riders or provisions that may allow access to part of a benefit while the insured is living if specific policy conditions are met.
Keep the explanation narrow
Use carrier-approved terms, define qualifying events carefully, and avoid implying that every policy or every applicant will have the same access or outcome.
What needs review before launch
TODO: licensed review should confirm rider names, qualifying conditions, benefit reductions, waiting periods, exclusions, and state availability.