How does life insurance benefit my family? Seems like a simple question. Life insurance provides for our goals and dreams we have for our families should we die too soon. But how does life insurance benefit me? RVAC Life & Retirement, LLC. has chosen to work with leading carriers of living benefits life insurance. Life insurance you don’t have to die to use. Many times our clients may suffer from a critical illness such as cancer, heart attack, or a stroke; or a chronic illness that may require assistance with daily living. With Living Benefits life insurance, often benefits can be used to cover critical illness or chronic illness at the very times we may need it most.