Keith Rowe was in the best shape of his life. As a soldier on active duty, he was fit and healthy. He has no idea that he would soon be in the fight of his life. After experiencing symptoms while away at a military training school, Keith was diagnosed with testicular cancer. Over the next several years he would battle through the initial diagnosis, remission, and then a recurrence eight months later which necessitated three rounds of grueling chemotherapy. Keith was able to use the Living Benefits on a permanent life insurance policy he had set up as a tax-free retirement vehicle years earlier to get $60,000 in his hands when he needed it most. He says putting that policy in place was one of the best decisions he ever made.