06/19/2026
Exploring the two main types of living benefit insurance:
Critical Illness (CI) and Disability (DI). CI provides coverage for short-term needs, such as cancer, heart attacks, or strokes, typically lasting 2-3 years. DI, on the other hand, covers both short and long-term disabilities, with short-term disabilities lasting less than 90 days and long-term disabilities potentially lasting indefinitely.
Understanding the differences between these types of insurance can help clients make informed decisions about their coverage needs. đź’Ľđź’ˇ