Living Benefits (Accelerated Death Benefits)

The one or more accelerated benefit riders attached to your policy permit the owner to receive a portion of the insured persons life insurance benefit under the policy due to a qualifying critical, chronic, or terminal illness during the insured persons lifetime, subject to policy terms and conditions. Important Consumer Disclosures Regarding Accelerated Benefit Riders.

Chronic Illness - A qualifying Chronic Illness is an illness or physical condition that was initially certified by a licensed health care practitioner within the past 12 months and permanently affects the Insured Person so that he or she is unable to do normal Activities of Daily Living (ADLs) without substantial assistance.
Critical Illness - Critical Illnesses or conditions covered under the rider include (but are not limited to): major heart attack (heart attack in certain states), stroke, invasive cancer, paralysis and more.
Terminal Illness - Terminal Illnesses are illnesses or physical conditions that are certified by a physician to be reasonably expected to result in the insured's death within 24 months from the date of certification.