Living Benefits
Life insurance you don't have to die to use. Access a portion of your benefit while living in the event of critical, chronic, or terminal illness — so a health crisis doesn't become a financial one.
Explore living benefits
If someone you love relies on you, rely on us
Insurance you can use while living.
Life insurance you don't have to die to use. Freedom Financial Solutions helps families protect their income, their home, and their legacy — with living benefits that pay out for critical illness, disability, and retirement, not just death.
Licensed agents
Top-rated carriers
No-exam options*
Family-focused
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Trusted & reliable agents◆
Products from the nation's top-rated carriers◆
Based in Charlotte, NC◆
Serving most of the United States
The Freedom Financial difference
What could your policy do for you while you're alive?
Most life insurance only pays out when you're gone. Living benefits let you access a portion of your policy while you're still here — when illness, injury, or retirement hits. Pick a life event below to see how it works, then add it to your quote.
A critical-illness diagnosis shouldn't bankrupt your family.
If you're diagnosed with a covered condition like cancer, a heart attack, or a stroke, a policy with living benefits can let you access a portion of your death benefit now — to use however you need.
- Cover treatment & out-of-pocket medical bills
- Replace lost income while you recover
- Keep up with the mortgage and everyday bills
- Focus on healing, not finances
Chronic illness care is expensive. Your policy can help carry it.
When a chronic condition means you need ongoing help with daily living, living benefits can provide funds to ease the cost of long-term care — without draining your savings.
- Help pay for in-home or facility care
- Relieve the burden on family caregivers
- Protect retirement savings you worked for
- Keep dignity and choice in your care
If you can't work, the bills don't stop. Your protection shouldn't either.
An injury or disability can cut off your paycheck overnight. The right coverage helps replace income so a temporary setback doesn't become a permanent financial one.
- Replace income while you can't work
- Keep mortgage & car payments current
- Protect your family's standard of living
- Add mortgage-disability coverage too
Build tax-advantaged income you can actually use in retirement.
Indexed Universal Life and annuities can act like your own personal bank — letting you access funds to extend retirement cash flow, often well beyond traditional 401(k) or IRA timelines.
- Supplement retirement income
- Save for a child's college fund
- Access cash value without early-withdrawal penalties
- Guarantee income you won't outlive
Make sure your family keeps the home — no matter what.
For most families the mortgage is the biggest debt they carry. Mortgage protection is designed to pay it off or replace income if the primary breadwinner dies or becomes critically ill.
- Pay off or cover the mortgage
- Keep your family in their home
- Add mortgage-disability for missed work
- Protect your largest investment
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*Living benefits are provided through accelerated death benefit riders and vary by carrier, product, and state. Access to benefits is subject to eligibility, qualifying conditions, and policy terms. This is a general overview, not a policy or a guarantee of coverage — ask your FFS agent for details specific to your situation.
Our expert services
One firm for your family's whole financial picture
Fast, flexible products from top-rated carriers — structured around your family's specific needs and budget by a licensed local agent.
Term Life Insurance
Straightforward, affordable protection for a set period — a cash benefit that shields your family from lost income and unpaid bills. This isn't your employer's term plan: we can add living-benefits coverage at no additional cost.
Get term life quoteWhole Life Insurance
Lifelong, permanent protection that never expires as long as premiums are paid. Builds cash value you can borrow against, with a tax-free benefit to your beneficiaries — ideal for long-term planning, savings, or a college fund.
Get whole life quoteIndexed Universal Life (IUL)
A flexible policy that can fund college, retirement, and a safety net at once. Access funds without early-withdrawal penalties — effectively becoming your own bank — and extend retirement cash flow well beyond a traditional 401(k) or IRA.
Learn about IULAnnuities
Retirement income is no longer as certain as it once was. An annuity can guarantee income for the rest of your life — so you enjoy your golden years without worrying about finances or burdening your family.
Get an annuity quoteMortgage Protection
Your mortgage is likely your family's largest debt. Our coverage is designed to pay it off or replace income if the breadwinner dies or faces critical illness — plus mortgage-disability options for when you can't work.
Protect my mortgage
How it works
Protected in three simple steps
Our well-trained, trusted field agents make it easy — some plans require no physical exam, just a few simple health questions.
Request your free quote
Tell us a little about your family and what matters most. It's quick, free, and there's no obligation — just a conversation.
Get a custom-tailored plan
A licensed local agent explores your options and structures coverage to fit your family's specific needs and budget — often with no physical exam.
Your family is protected
Activate affordable coverage from top-rated carriers — with living benefits you can use while living and peace of mind for the future.
Why Freedom Financial Solutions
Clients over commission — always
While others chase one-size-fits-all products or only the wealthiest clients, we strive to keep more families protected and in their homes.
Licensed & trusted
Financial-services professionals you can trust for honest, sound advice — backed by the nation's top-rated carriers.
House-call service
Our agents meet families in their homes to build real relationships — personalized service, like a doctor who makes house calls.
Local agents, nationwide
Based in Charlotte, NC with local life-insurance agents serving most of the United States — an expert in your area.
Family-first plans
We learn about your family before we ever recommend a plan, then build coverage around your goals and budget — not a quota.
“To impact our community by structuring a legacy plan with our clients — living benefits, mortgage protection, tax-free retirement, and estate planning.”
— Our Mission
Partner With FFS
Are you a licensed life insurance agent?
Build, lead, and grow your business with one of the fastest-growing independent financial-services networks in the country. If you're an energetic self-starter who wants to protect families in your community, you might be a Freedom Financial Solutions fit.
Free training & education
Mentorship from top producers
Proven, scalable model
Growth-focused culture
Learn About the FFS Difference
Questions, answered
Frequently asked questions
Most life insurance only pays out when you pass away. Living benefits (provided through accelerated death benefit riders) let you access a portion of your policy while you're alive if you experience a covered critical, chronic, or terminal illness. It's life insurance you don't have to die to use. Availability and terms vary by carrier and state.
Not always. We work with carriers that offer no-exam options — just a few simple health questions to determine eligibility. Your agent will help you find the fastest, most affordable path for your situation.
It depends on your age, health, coverage amount, and the product that fits your goals. We focus on practical, affordable protection from top-rated carriers and structure a plan around your budget. The quote is always free with no obligation.
We're based in Charlotte, North Carolina, with local life-insurance agents serving most of the United States. Tell us your state and we'll connect you with a licensed agent in your area.
Term life, whole (permanent) life, Indexed Universal Life (IUL), annuities, mortgage protection, and living-benefits coverage — plus tax-free retirement and college/child savings strategies. One agent can help you compare them all.
We're growing and hiring licensed life-insurance agents nationwide. Visit our Partner With FFS section or contact us to learn about the FFS Difference, FFS Rewards, training, mentorship, and opportunities in your area.
Connect with an expert in your state
Let's protect what matters most
Reach out and a member of our team will help you explore your options — honestly, with no pressure. If someone you love relies on you, rely on us.
Call us704-525-8255
Email[email protected]
Office4805 S. New Hope Road, Belmont, NC 28012
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