Know what qualifies
Definitions of terminal, chronic, or critical illness vary by rider and insurer. A diagnosis alone may not qualify.
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Living benefits
Protection can matter during your lifetime, too.
Some life insurance policies offer riders that may allow access to part of a death benefit after a qualifying illness. Understand the conditions before you count on them.
What to consider
A more informed next step.
Understand the trade-offs
Accelerating benefits reduces the remaining death benefit and may involve discounts, fees, or other limitations.
Compare the right coverage
An accelerated benefit rider is not a substitute for comprehensive health, disability, or long-term care insurance.
Questions to ask
A little clarity goes a long way.
Are living benefits included automatically?
Availability and cost vary. Ask whether a rider is included, optional, or unavailable for the policy and state.
What should I compare?
Qualifying definitions, waiting periods, benefit limits, charges, and the impact on the remaining policy.
Your next chapter starts
with a conversation.
Bring your questions. Start with what matters most.