Living Benefit

In insurance terms, living benefits are life insurance benefits which are paid out (or can be paid out) while the policyholder is still alive. The term is most widely used in relation to whole life insurance policies which mature ahead of the expected death of the applicant.

The mixed life insurance and savings insurance policies offered by many Swiss life insurance providers are good examples of whole life insurance policies with living benefits. These policies typically mature when the policyholder reaches retirement age, at which point the benefit is either paid out to the policyholder as a lump sum benefit or as an ongoing pension. This sets them apart from life insurance policies which only pay out a death benefit when the policyholder passes away.

More on this topic:
Term life insurance comparison
Life insurance: Useful tips
Term Life Insurance vs. Mixed Life Insurance

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Daniel Dreier is editor and personal finance expert at moneyland.ch.

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