It's like your policy's secret double life. Your death benefit? Tax-free for your beneficiaries. And with certain types of policies, like whole life, there’s a cash value that grows tax-deferred. That’s like finding money in your back pocket… only no one’s noticed yet.

Let’s say life throws a curveball. Some life insurance policies come with built-in benefits if you get a critical illness or become disabled. So, you're not just waiting for the endgame; you can access some of the funds when you need them most. It's like getting a rainy-day fund for when it’s pouring.

Life insurance is a great way to make sure your heirs don’t have to sell the family cottage just to pay taxes. The death benefit can help cover estate taxes, leaving your family with more of what you worked hard for. Think of it as a final gift that says, “I’ve got you covered.”

Got a mortgage? Some life insurance policies can help ensure that your loved ones won’t have to move out of the house if something happens to you. It’s like a big “don’t worry” wrapped in a policy.

If you’ve got permanent life insurance, it’s like your own personal line of credit. You can borrow against the cash value. Just don’t go on a shopping spree unless you want your policy to get cranky with you.

In short, buying life insurance isn’t just about preparing for the worst; it's about making sure you can enjoy the best, with a few nifty perks along the way. So, yeah, I’d say there are a few "hidden treasures" in there!