Life Insurance That Works While You’re Still Living

Discover the power of living benefits life insurance — get access to tax-free funds during critical illness, injury, or disability.

Your Life Insurance Should Protect You While You’re Living

Hi,

I’m Karen with KRK Life Group. Most people think of life insurance as something that helps your loved ones after you’re gone. And while that’s important, it’s only part of the picture.

What if you faced a serious illness, disability, or unexpected health emergency — and suddenly couldn’t work or provide for your family?

That’s where life insurance with living benefits comes in. These policies allow you to access funds while you’re still alive, giving you the financial support you need when it matters most. You can use those funds for anything — medical bills, household expenses, mortgage payments, or even travel and healing time.

This isn’t just about protection — it’s about peace of mind, knowing you and your family are covered during life’s toughest moments.

Let’s talk about how to put this smart strategy in place for you.

Karen Allen
KRK Life Group

Why Clients Trust Karen Allen and KRK Life Group

Karen Allen brings personal dedication and industry expertise to every client relationship. Here's why families choose her to protect their financial futures:

It's All About Your Family - Karen takes the time to sit down and really understand what matters most to you. No cookie-cutter solutions here—just personalized protection plans tailored specifically to your family's unique situation.

You Deserve an Expert - With years of insurance expertise under her belt, Karen knows the ins and outs of insurance protection. She spots opportunities to protect your family that others might miss completely.

More Options, Better Coverage - As an independent broker, Karen isn't tied to just one company. She shops around multiple top-rated insurance providers to find you the perfect coverage at rates that work with your budget.

We're In This Together - Your relationship with Karen doesn't end once your policy is in place. As your life changes—new home, growing family, career shifts—she'll be there to make sure your insurance protection evolves too.

No Insurance Jargon - Confused by complex insurance terms? Don't worry. Karen breaks everything down into plain English, making sure you completely understand your options and feel confident in your protection plan.

❌ When Life Takes a Turn, Will Your Insurance Show Up for You?

If any of these sound familiar, it might be time to rethink what your life insurance can (and should) do.

You’re worried about how to pay bills during a serious illness or disability.
You don’t have enough savings to cover 3–6 months of lost income.
You’ve heard of living benefits, but no one ever explained them clearly.
You want coverage that supports your family and protects you during life’s unexpected challenges.
You’re unsure how to plan for the financial impact of a major health event.

Insurance That Pays When You Need It Most — Not Just After You're Gone

With life insurance with living benefits, you can unlock financial support when life throws you a curveball. You don’t need to wait until you’re gone for your insurance to do its job.

Here’s what it can help with:

Critical Illness: Heart attack, stroke, cancer, and more — get a lump sum to help with recovery and expenses.
Chronic Illness or Disability: Access funds to pay for care, cover lost income, or maintain your quality of life.
Terminal Illness: Get financial relief for medical bills or to create meaningful moments with loved ones.
Tax-Free Access: In most cases, the payout is tax-free, giving you maximum flexibility.
You’re unsure how to plan for the financial impact of a major health event.

This kind of coverage is about empowerment — protecting your future while supporting your present.

Why Families Choose KRK Life Group for Living Benefits Coverage

Compassionate guidance. Clear options. Life insurance that actually helps while you’re alive.

At KRK Life Group, we’re on a mission to make living benefits simple, accessible, and stress-free:

Personalized Plans: We find the right policy to fit your health, goals, and family needs.
Straightforward Process: No confusing jargon or pressure — just real answers and clear options.
Access to Top Carriers: We partner with trusted insurance providers that offer flexible living benefits.
Ongoing Support: Questions after you get your policy? We’re always just a call away.
Real-Life Protection: Because we believe life insurance should protect the living, too.

What Our Clients Are Saying..

Jasmine Richards

Signed up for Life and Retirement plans with KRK Life Group. Super easy process and reassuring knowing I've got solid coverage and future sorted!

Monica Chandler

Explored several options before settling on KRK Life Group. Their insurance plans are flexible and tailored—finally found what suits my needs and budget.

Thomas Krazinski

KRK Life Group's Insurance planning was straightforward and effective. Without fuss, they set everything in place, ensuring my financial peace well into the future.

STILL NOT SURE?

Frequently Asked Questions

Find Clear Answers to Help You Make Informed Decisions.

Question 1: What is life insurance with living benefits?

Life insurance with living benefits is a policy that lets you access part of your death benefit while you’re still alive. If you're diagnosed with a serious illness, injury, or disability, you can receive a tax-free payout to cover medical bills, lost income, or other urgent expenses.

Question 2: What types of conditions qualify for living benefits?

Living benefits typically cover critical illnesses like heart attack, stroke, and cancer, as well as chronic or terminal illnesses. Some policies also offer payouts for long-term disabilities or severe injuries. We'll help you choose the right plan based on your health and needs.

Question 3: Do I have to repay the money I access from my policy?

No. The money you access through living benefits is not a loan — it’s an advance on your death benefit. That means you can use it as needed, with no repayment required.