Life Insurance with Living Benefits

A man and a woman are sitting on the floor with a baby.

Life Insurance Accelerated Benefit Programs in Santa Rosa, CA

What if your life insurance could help you while you’re still living?


With an Accelerated Benefit Rider, you can access up to 80% of your death benefit early if you’re facing a serious illness or disability. That means instead of waiting for your family to receive the benefit after you pass, you can put those funds to work when you need them most, for medical bills, living expenses, or simply peace of mind.

Think of it as financial breathing room during one of life’s toughest moments. No one likes to imagine getting sick or injured, but planning ahead ensures your family is protected — and you have options if the unexpected happens.


At Biaggi Life, we make it simple to explore Life Insurance Accelerated Benefit Programs that fit your needs. We offer no-cost virtual appointments where you can ask questions, compare options, and see how much protection you can put in place for your family.



Your future matters — and so does your family’s. Let’s make sure you’ve got both covered.

Schedule Virtual Review

Access Your Death Benefit With A Chronic Illness Rider

A serious illness doesn’t just affect your health — it affects your family’s finances too. Many households struggle to cover the cost of long-term care with income or savings alone. The numbers tell the story:


  • 1 in 5 people aged 65+ will need long-term care lasting 5 years or more
  • In-home healthcare can cost over $30,000 per year.
  • Private nursing care can exceed $80,000 per year.

Without planning, those costs can drain savings quickly.


That’s where a Chronic Illness Rider comes in. It gives you the ability to access a portion of your death benefit while you’re still living if you face a life-altering illness or disability. That means flexibility, protection, and peace of mind — knowing you can focus on care instead of just costs.

Schedule Virtual Review

Contact Biaggi Life today to learn more about Accelerated Benefit Riders and see if you qualify.

A family is sitting on a couch together and smiling.

Biaggi Life Additional Insurance Program?

Have you recently purchased life insurance through us or another agency and suddenly realized—you need more coverage?

You could be eligible for our additional coverage program if you meet certain criteria, such as:

  • You're fully underwritten with a standard or better plan
  • You can be a tobacco or non-tobacco user
  • You've received your plan within the last 3 years


Eligibility terms include:

  • Aged 65 or older
  • Have a minimum policy of $100,000
  • Maximum face value of no more than $1,000,000
  • We work with various carriers across the nation to get you the coverage you need.

Special Programs: Long-Term Care & Chronic Illness Riders

Life insurance doesn’t just protect your family after you’re gone — the right plan can also protect you while you’re living. Through Biaggi Life, you can choose policies that include special riders designed to cover the cost of long-term care or serious illness.

Long-Term Care Rider: Daily Support for Care Needs


  • Works like a nursing home or home health care policy.
  • Pays a daily benefit while you receive care — whether at home or in a facility.
  • Lets you choose the benefit amount based on your needs and budget.


Chronic Illness Rider: Early Access to Your Benefit


  • Allows you to access up to 80% of your death benefit in advance if you’re diagnosed with a qualifying illness.
  • Funds can be used however you need — medical bills, in-home support, or living expenses.
  • Tax-free withdrawals are subject to annual limits set by the IRS (limits increase over time).


With either option, you’re not stuck with a one-size-fits-all policy. You can design coverage that gives you financial flexibility and peace of mind if life takes an unexpected turn.



Not sure which rider is right for you?

Here’s a quick comparison:

Feature Long-Term Care Rider Chronic Illness Rider
Benefit Type Daily benefit for care Lump sum advance
How It Pays Fixed daily amount while in nursing home or receiving home health care Up to 80% of death benefit accessible in advance
Use of Funds Specifically for long-term care costs Flexible — can be used for medical, home care, or living expenses
Tax Treatment Benefits generally tax-free Withdrawals tax-free up to IRS annual limit (limit increases over time)
Flexibility Provides predictable daily coverage Provides larger, flexible funds when needed most

Contact Biaggi Life today to explore these special program riders and find the protection that fits your life.

Schedule Virtual Review