Living Benefits Awareness Month: Strengthening Client Protection With Annuities

How Annuities Can Pair with Living Benefits

For clients with life insurance, Living Benefits can provide early access to the policy’s death benefit when they need it most. But many clients — especially those focused on retirement — may not realize that annuities also play an important role in their protection strategy. While annuities don’t offer Living Benefits, they can provide a steady income source that supports a client’s long‑term plan. During a serious illness or increased medical expenses, this income can help ease the pressure on their savings and offer added stability in a challenging time.

While annuities don’t offer Living Benefits in the same way life insurance does, they do provide something just as critical during life’s toughest moments: Income options that can help clients navigate financial uncertainty. 

Annuities allow clients to:

• Maintain steady income during health-related work interruptions
• Reduce the risk of outliving their savings
• Protect retirement funds from market volatility during recovery
• Supplement or support Living Benefits payouts from life insurance

Together, life insurance with Living Benefits and annuities create a powerful, comprehensive safety net.

Use these Annuity Marketing campaigns for ideas and resources for connecting with your clients:

From Healing to Helping — A Story That Inspires

One person who understands the value of protection during a health crisis is National Life agent Richard Reyes.

After being diagnosed with stage 4 cancer and a tumor his doctors couldn’t remove, Richard endured rigorous immunotherapy that left him unable to work. Fortunately, the Living Benefits on his National Life life insurance policy allowed him early access to funds, giving him the financial room to focus on healing rather than bills.

Watch Richard’s story and share with your clients today: