Providing America's Families with Living Benefit type Life Insurance. Planning for Tax Free Retirement, Whole Life, Term Life Insurance, Indexed Universal Life "IUL" and Fixed Indexed Annuities. Life Insurance you don't have to die to use. At Living Benefits USA, we focus on the tax-advantaged living benefits, not just the legacy benefit. Should you suffer a chronic, critical, or terminal illness as defined in the contract, you will be able to access a portion of the death benefit in cash for whatever the need. What distinguishes Living benefits USA is that the insurance companies we represent offer these real world living benefits on their core products…at no additional premium costs and some without additional underwriting