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Now use your Life insurance, like disability, paying you when sick, or when you die.

Benefit from your LOW COST TERM LIFE policy while you are alive and may need the funds the most

EXAMPLE :$500,000 Death Benefit

Let's you have:

 $500,000 if you die. 

Terminal Illness Benefit: $429,563 Lump Sum

Chronic Illness Benefit: $4,561 Per Month

Critical Illness Benefit: Up to $395,066 Lump Sum

Alzheimer's Disease Benefit: $309,002 Lump Sum Also If your Needs Change...you can convert from Term to Permanent Insurance within 20 years. Permanent Life Insurance has cash value that grows tax deferred.
Also With Permanent Life Insurance, if sufficiently funded, I can access the cash value via loans and withdrawals for anything.