Here are several families who did not anticipate major problems in their lives, and whose forethought of purchasing a Universal Life policy saved them from major disasters. Living Benefits from their policies helped protect these people when a chronic or critical illness or injury occurred. Even without such a life threatening event, Living Benefits can help you earn and enjoy a retirement income that you will not outlive. The best way to understand the impact Living Benefits can listen to and learn from policy owners who have actually used them.