Life insurance pays your family. Living benefits pay you.
Most policies only do their job after a funeral. The ones we write can pay out during the illness that empties the account, while you're still here to spend it.
What living benefits cover
The policy that pays before the funeral.
Critical illness
A qualifying diagnosis, heart attack, stroke, cancer among them, can trigger an accelerated payout from the death benefit. The money is yours to use on anything: treatment, the mortgage, the months you can't work.
Chronic illness
If you can't perform daily living activities without help, the policy can pay toward care. This is the cost most families discover too late, and the one health insurance is least likely to carry.
Terminal illness
A terminal diagnosis can release a portion of the benefit early, so the money arrives when there are still decisions to make with it.
Cash value
Permanent policies build value you can borrow against. It isn't an investment account and we won't pitch it as one, it's a reserve that grows quietly while the coverage stays in force.
Money paid early through a living benefit is an advance on the death benefit, so it reduces what is paid to your family later. Riders, triggers, and payout amounts vary by carrier, by policy and by state. Nothing here is a quote or a guarantee of coverage.
What we place
Families rarely need one thing, so we carry the whole picture.
Term life
Coverage for a set number of years, usually ten to thirty. It buys the most protection for the least money, which is why it fits most households still carrying a mortgage and raising kids. If the term is running out and the need has not, we look at what converting costs before it lapses.
Mortgage protection
A policy sized to what is still owed on the house. If the income stops, the balance is covered and nobody has to move. It is the simplest version of this conversation, and usually cheaper than people expect.
Final expense
Smaller permanent coverage aimed at the costs that arrive in the first few weeks: the service, the outstanding bills, the travel. Underwriting is lighter than a fully underwritten policy, which is often what makes it the one that gets approved.
Indexed universal life
Permanent coverage whose cash value can grow based on the movement of a market index, inside limits the policy sets. It is not an investment account and we will not pitch it as one. Growth is capped, policy costs come out along the way, and it only makes sense when the coverage underneath is something you actually want.
Annuities
A contract built to turn savings into income, either for a set number of years or for life, depending on the contract. This is the retirement side of the picture rather than the protection side, and the terms differ enough between carriers that it is worth comparing before signing anything.
Medicare
Help comparing Advantage and Supplement plans across the carriers we are appointed with, so the decision is made against options rather than a single brochure. Lara Benefits is an independent agency and is not affiliated with any government agency. We are not paid by you for the help.
Not every product is available in every state, and none of it is issued until a carrier approves it. Nothing on this page is a quote, an offer of coverage, or a guarantee.
How it works
Three conversations, not a sales cycle.
We ask what you're protecting
Income, a mortgage, a business, a child with years of school left. The answer decides the product. Twenty minutes, by phone.
We shop it
We're independent, so we're not defending one carrier's product. You see what several will offer and what each one excludes.
You decide, then we stay
Coverage that goes unreviewed for a decade stops matching the life it was written for. We check in annually.
For agents
We're hiring agents who lead with people.
This agency was built on cold calls, not referrals, which means the training is the actual script, not a slide deck about mindset. If you're licensed, we'll plug you in. If you're not, we'll get you there.
Talk to us
Start with a question, not an application.
Tell us what you're trying to protect and we'll tell you whether a policy is even the right tool. No obligation, and we won't put you on a drip list.