When your clients hear the term “life insurance,” one of the first things that probably comes to mind is its primary benefit: the income tax-free death benefit. However, some of the newer life insurance products have living benefits – benefits that policyholders and their loved ones can take advantage of before any talk of funerals. Products that emphasize the “life” in life insurance. These products can benefit your clients and their families not only in the event of an untimely death but also in both pre- and post-retirement years – helping them financially with everyday life expenses in the short-term, and then helping ensure that they have enough retirement income if they live longer than expected.