Living Benefits

Most people believe their greatest financial threat is retirement, taxes, or market volatility.

They’re wrong.

The biggest financial risk is getting sick before you’re ready.

A critical illness doesn’t just attack your body—it attacks your income, your savings, your stability, and your family’s future.

Medical insurance covers treatments… but not the life that still needs to be lived while you're fighting to survive.

That’s where living benefits step in.

Living benefits give you a lump sum of money—while you’re still alive—when you’re diagnosed with a qualifying illness or condition.

It’s money you can use for anything, including:

• The treatment you want, not just the one insurance approves
• Time off work without financial panic
• Mortgage, childcare, travel for specialists, or in-home support
• Filling the financial gaps every traditional plan ignores

It’s the difference between surviving… and surviving without sacrificing everything you’ve built.

Because they’ve seen what happens without them.

Families draining savings, taking out loans, selling homes, or choosing cheaper treatments simply because they didn’t have options.

Living benefits give you options.

They turn a crisis into a challenge—not a catastrophe.

Eligibility depends on several factors, including:

• Current health
• Medical history
• Age
• Occupation
• Type and amount of coverage needed

Qualifying is simpler than most people expect—yet most wait until it’s too late.

You don’t buy living benefits because you expect tragedy.

You buy them because you refuse to let tragedy destroy your finances, your choices, or your family’s stability.

You buy living benefits because hope is not a strategy—but preparation is.

At DeLuctus, we help you secure coverage that matches your real life, not a generic checklist.

Clear guidance. Zero pressure. Full transparency.

Just protection that shows up when it matters most.