Presented by John Schraut Are you just giving them carrier, product and price? Do you just stress death benefit? How about next time you talk about the living benefits. Yes, there are benefits that the insured can take advantage of while living: Disability Income, Critical Illness Benefits, Long Term Care Benefits or Return of Premium. These will add value to the policy and value to you as the insurance advisor. Plus, it will increase the premium which will increase your commission. So next time you quote term, look at the living benefits that you can offer.