Accelerated Benefit Rider
Terminal Illness
The presence of the illness or condition where life expectancy does not exceed 12 months.
Paid in lump sum up to 75% of Death Benefit.
Chronic Illness
The inability to perform at least two activities of daily living for at least 90 days or presence of severe cognitive impairment. Paid in lump sum up to 50% of Death Benefit.
- Dressing
- Eating
- Bathing
- Toileting
- Transferring
- Continence
Critical Illness
The diagnosis of any of the following illness or conditions.
Payments can be made annually up to limits declared each year by the IRS (IRS § 7702B)
- Invasive Life-Threatening Cancer
- Stroke
- Major Heart Attack
- End Stage Renal Failure
- Major Organ Failure
- ASL (Amyotrophic Lateral Sclerosis
- Blindness due to Diabetes
- Paralysis of two or more limbs
- Major Burns
- Coma
- Aplastic Anemia
- Benign Brain Tumor
- Aortic Aneurysm
- Heart Valve Replacement
- Coronary Artery Bypass Graft Surgery