How Does Life Insurance Help You? 
Typically , life insurance is of benefit to your loved ones . Many buy life insurance to make sure their loved ones are financially able to do the things they would have done if you were still around . That being said , many modern properly structured permanent life insurance products do have some benefits you can use while alive . These include access to cash and additional money if you ca n't to two of the six activities of daily life -LRB- typically how the need for long-term care is defined -RRB- to help cover some of the costs of in-home care , assisted living costs or nursing home costs . While not all inclusive of a list it is a good basis for your consideration . Hope this helps . 