{"id":22,"date":"2026-09-24T14:00:00","date_gmt":"2026-09-24T14:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/insurancestrategies-net\/2026\/09\/24\/living-benefits-in-life-insurance-explained-new-guide-released\/"},"modified":"2026-09-24T14:00:00","modified_gmt":"2026-09-24T14:00:00","slug":"living-benefits-in-life-insurance-explained-new-guide-released","status":"publish","type":"post","link":"https:\/\/www.insurancestrategies.net\/blog\/2026\/09\/24\/living-benefits-in-life-insurance-explained-new-guide-released\/","title":{"rendered":"Living Benefits in Life Insurance Explained: New Guide Released"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Living benefits in life insurance allow policyholders to access part of the death benefit while alive if diagnosed with a terminal, chronic, or critical illness. These benefits, often provided through riders, help cover medical and caregiving costs but reduce the remaining death benefit. Unlike cash value, living benefits require qualifying events. Tax treatment varies, and payouts may affect eligibility for needs-based programs. Understanding these features aids in better financial and estate planning.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/news.marketersmedia.com\/living-benefits-in-life-insurance-explained-new-guide-released\/89202715\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Living benefits in life insurance allow policyholders to access part of the death benefit while alive if diagnosed with a terminal, chronic, or critical illness. These benefits, often provided through riders, help cover medical and caregiving costs but reduce the remaining death benefit. Unlike cash value, living benefits require qualifying events. Tax treatment varies, and [&hellip;]<\/p>\n","protected":false},"author":173,"featured_media":47,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-22","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts\/22","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/users\/173"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/comments?post=22"}],"version-history":[{"count":0,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts\/22\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/media\/47"}],"wp:attachment":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/media?parent=22"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/categories?post=22"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/tags?post=22"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}