Year after year, insurance industry surveys reveal that most consumers believe that life insurance plays an important role in a sound financial plan, ensuring the financial security of surviving family members after a loved one's death. And yet, a large percentage of Americans do not own individual life insurance and only about half of all employees are covered by a policy at work. The purpose of this course is to provide an overview of the living benefits that life insurance offers. It looks beyond the death benefit and examines the various ownership rights that policyowners have, which allows them to access valuable benefits during an insured's lifetime.