The life insurance industry has been keeping a secret from you. For decades, families have been sold policies that only pay after death, leaving them financially vulnerable during the very moments they need help most. Medical bills, lost income, mounting debt, and the threat of foreclosure devastate families fighting critical illness, even when they have life insurance sitting idle, waiting for death. But there's a better way. In "7 Things They Never Told You About Life Insurance with Living Benefits," national financial educator David T. Harris exposes the protection gap that leaves millions of American families at risk and shows you exactly how to fix it. Discover the seven critical truths most agents never mention: Life insurance isn't just for death anymore. Modern Living Benefits policies allow you to access substantial portions of your death benefit. At the same time, you're still alive when facing qualifying health events like a heart attack, stroke, cancer, chronic illness, or terminal diagnosis. Inside this book, you'll learn: How to use your life insurance during health crises to cover medical expenses, protect your mortgage, replace lost income, and avoid medical bankruptcy, the number one cause of financial ruin in America. Why over sixty percent of Americans will face a major illness before age sixty-five, yet most people only have coverage that activates after death. What questions to ask your insurance agent that will immediately reveal whether your current policy truly protects your family or leaves dangerous gaps. How Living Benefits cost just a few dollars more per month than traditional policies, yet provide life-changing protection when you need it most. Real case studies of families who received six-figure checks during cancer treatment, heart attack recovery, and chronic illness, money that saved their homes, businesses, and financial futures. This book includes: Complete front and back matter with legal disclaimers, comprehensive FAQ, insurance glossary, Living Benefits Needs Checklist, Policy Audit Guide, and additional resources to help you take immediate action. About the Author: David T. Harris is the founder of Green Life Financial Group and creator of Captain Coverage, a movement dedicated to transforming how America thinks about insurance and financial protection. Through his educational campaigns, he has helped thousands of families secure modern coverage that works for the living, not just the dead. You deserve more than a death benefit. You deserve Living Benefits. This book will change how you think about insurance forever and could save your family from financial catastrophe when life hits hardest.