Tonia Wachtel: Giving a Family What It Needed

About a decade after he bought his life insurance coverage, Don was diagnosed with an inoperable brain tumor.

Because Don was not expected to survive his cancer diagnosis, he and his family were able access up to 50 percent of the death benefit of Don's life insurance policy while he was still alive.

That money allowed the family to take memorable vacations and pay for some day-to-day living expenses. In addition, Don's wife, Tonia, was able to take a leave of absence from her job so she could care for Don at home. It was there that Don died at age 47, just 19 months after being diagnosed.

The remaining death benefit helped Tonia pay for the funeral and to stay at home with her two daughters for several months as they grieved. And it continues to make a financial impact. “Without life insurance, I would have had to go back to work immediately, get a second job, and we surely would have lost our home,” says Tonia.