With the passage of the Pension and Protection act a whole new market has emerged. This has created the "living benefits" sector that is sweeping the country. No longer is it necessary to have a separate Life Insurance Plan, Long Term Care Plan, Cancer Plan or Heart Attack and Stroke Plan. Now these can all fit under the same umbrella now thanks to the "accelerated benefits" made available from some of the top companies. This is a revolutionary way to combine your insurance policies into one. It has helped many people attain coverages they would have never had access to.