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Chronic Illness Rider

Support when daily activities turn difficult.

If a long-term condition leaves you unable to care for yourself, your death benefit can be advanced to you — as a lump sum or regular payments.

Check If I Qualify
100%

Max death benefit you can elect to accelerate

$2M

Lifetime cap across all riders combined

Lump Sum or Periodic

Choose a one-time payment or equal installments over your requested period

Activities of daily living

The 6 Activities of Daily Living

Bathing
Dressing
Toileting
Transferring (moving to/from bed or chair)
Continence
Eating

The core idea

It's not about the diagnosis — it's about your independence.

Qualifying event

A physician certifies a covered chronic condition

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2 of 6 ADLs impaired

Unable to perform at least 2 daily activities independently for 90+ consecutive days

or

Severe cognitive impairment

e.g. Alzheimer's requiring substantial supervision

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Benefit advanced to you

Lump sum or periodic payments while you're alive

Disclosures

  • •The amount received will be less than the face amount accelerated, due to actuarial discounting based on life expectancy at time of claim, plus an administrative charge and any premiums due.
  • •Receiving this benefit reduces remaining death benefit proportionally.
  • •This is an Accelerated Death Benefit, not long-term care insurance. Proceeds are unrestricted.
  • •$2,000,000 lifetime maximum shared across all three riders combined.

Other Living Benefits