Frequently Asked Questions

Yes. Life insurance options vary widely, and speaking with a licensed representative can help you better understand what types of coverage are available. We’ll provide information and illustrations so you can make an informed choice that fits your needs.

Some modern life insurance policies may include optional features, often called living benefits or chronic illness riders. These allow you to access a portion of the death benefit while you’re still alive if you meet certain conditions, such as being diagnosed with a qualifying chronic or critical illness. Not every policy includes these features, and eligibility depends on the carrier and underwriting. At Biaggi Life, we review which carriers currently make these options available so you can understand how they might work for your situation.

Living benefits mean your life insurance can help you while you’re still alive — not just your family after you’re gone. Many older policies don’t have them, so it may be worth reviewing your coverage.

1. Life insurance isn’t just for when you’re gone. With living benefits, you can access your policy while you’re still alive.
2. Older policies often miss this: living benefits let you tap into your coverage during your lifetime.
3. Living benefits turn life insurance into more than a safety net — it becomes a resource you can actually use.
4. Think life insurance only helps your family after you pass? Living benefits change that.
5. A modern policy works while you’re living, not just after. That’s the power of living benefits.

No. Getting an initial quote or illustration doesn’t cost anything. You’ll only pay premiums if you choose to apply for and accept a policy.

Frank Biaggi has been in the insurance industry for decades and established Biaggi Life with the goal of offering some of the most competitive life insurance policies available in the market today. Frank Biaggi is a licensed Independent agent and has put his name on the company because he is committed to our clients and cares about your best interests.

Experience and independence. Frank Biaggi has written thousands of policies and has deep knowledge of how life insurance products have evolved over time — from traditional whole life to today’s policies that may include features like living benefits. Because Biaggi Life works with several carriers, we can help you review choices and understand how each one works so you feel confident in your decision.