More Than Life Insurance — It’s Life Assurance

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Life insurance is often thought of as something that only helps loved ones after death. But can you use life insurance while alive?what if it could help while still living? Living Benefits Life Insurance from Shanley Insurance Agency offers powerful protection that goes beyond the traditional — providing financial support when it’s needed most. Since 1999, families across Upstate South Carolina have trusted Shanley Insurance Agency to deliver peace of mind and personalized coverage. With Living Benefits Life Insurance, that trust extends into every stage of life.

 

What Are Living Benefits?

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Living Benefits Life Insurance allows access to a portion of the policy’s death benefit while still alive if faced with a qualifying illness or condition. These  include the: Chronic Illness rider, Critical Illness rider & Terminal Illness rider designed to help cover expenses during life’s toughest moments — without draining savings or retirement funds.

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Coverage That Works When Life Changes

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• Critical Illness Protection: Access policy benefits if diagnosed with conditions such as cancer, heart attack, or stroke.

• Chronic Illness Support: Access policy benefits if unable to perform daily living activities without assistance or serious cognitive issues.

• Terminal Illness Relief: Gain financial flexibility when time becomes precious.

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These benefits can be used for medical bills, household expenses, mortgage payments, or even alternative treatments — the choice is entirely yours.

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The Deep Benefits of Living Benefits Life Insurance  

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1. Financial Freedom During Hardship

A serious illness can bring unexpected costs — from medical treatments to lost income. Living Benefits Life Insurance provides immediate access to funds, helping maintain financial stability without relying on loans, credit cards, or dipping into retirement savings. You choose how the funds are spent.

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2. Flexibility and Control

Unlike traditional life insurance, Living Benefits (Accelerated Death Benefits) policies give complete control over how funds are used. Whether it’s paying for medical care, covering household bills, or taking time off work to recover, the money is available when it’s needed most.

 

3. Family Stability and Peace of Mind

When health challenges arise, the last thing anyone should worry about is money. Living Benefits Life Insurance helps to ensure financial protecting so, families can focus on recovery and togetherness — not financial stress.

 

4. Protects Both Life and Legacy

Even after using a portion of the benefits, the remaining death benefit continues to protect loved ones. This means both immediate and long-term security are covered under one policy.

 

5. No Added Cost

One of the most powerful advantages of Living Benefits Life Insurance is that it typically costs the same as traditional life insurance. There’s no extra premium for the added protection — just smarter coverage that works in more ways. It’s a modern solution that delivers more value for the same investment.

 

6. Tax-Advantaged Access

In most cases, the funds received through Living Benefits are tax-free, allowing every dollar to go directly toward recovery, care, or family needs. This would be something that you need to discuss with your tax professional.

 

7. Protection for Every Stage of Life

Whether starting a family, building a career, or planning for retirement, Living Benefits Life Insurance adapts to life’s changing needs — offering protection that grows with every milestone.

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Why Choose the Shanley Insurance Agency?

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For over two decades, the Shanley Insurance Agency has been a trusted name in Medicare and life insurance solutions. Our mission is simple: to protect families with honesty, clarity, and care. Our agent specializes in providing Living Benefits Life Insurance in Upstate SC.

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What Sets Us Apart

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• Local Expertise: Proudly serving Upstate South Carolina with personalized, face-to-face guidance.

• Trusted Since 1999: A long-standing reputation built on integrity and results.

• Tailored Solutions: Every policy is customized to fit unique needs and budgets.

• Ongoing Support: Continued service long after the policy is in place.

 

When choosing Shanley Insurance Agency, clients gain more than just a policy — they gain a partner committed to their financial security and peace of mind for them and their families.

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Take the Next Step Toward Peace of Mind 

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Life is unpredictable, but financial security doesn’t have to be. Protect the future — and the present — with Living Benefits Life Insurance from Shanley Insurance Agency. We provide both "Term Life Insurance with Living Benefits & Permanent Life Insurance with Living Benefits.  

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Call (864) 868-5194 or visit www.shanleyagency.com to schedule a free consultation today.

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“Shanley Insurance Agency serves Upstate South Carolina including Pickens County, Easley, Clemson, Seneca, Anderson, and Greenville. Your Trusted Medicare & Life Insurance Experts in Upstate SC since 1999. Appointments are available by phone, online, at your home or a local meeting place.”​​​​

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*Living benefits/accelerated benefits vary by carrier and policy. Availability, definitions, eligibility, and benefit amounts are subject to underwriting approval and contract terms. Accessing benefits early typically reduces the remaining death benefit.