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Critical Illness Rider

Pay out while you're still alive.

When a serious illness changes your life expectancy, your death benefit can be advanced to you — while you're alive to use it.

Check If I Qualify
100%

Max death benefit you can elect to accelerate

$2M

Lifetime cap across all riders combined

Lump Sum

Paid in a single payment, no restrictions on use

What triggers the assessment

Common qualifying conditions

Major Heart Attack
Stroke
Invasive Cancer
Major Organ Transplant
End Stage Renal Failure
Paralysis
Amyotrophic Lateral Sclerosis (ALS)
Blindness
Coma
Severe Burn
Coronary Artery Bypass

Even with a qualifying diagnosis, the benefit may be zero if the condition does not significantly alter life expectancy.

The core idea

It's not about which disease — it's about your life expectancy.

Qualifying diagnosis

Your doctor confirms a covered condition

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Life expectancy assessed

The carrier calculates how your diagnosis affects your prognosis

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Benefit advanced to you

A lump sum is paid to you while you're alive

Disclosures

  • •Benefit reduces remaining death benefit proportionally. Full acceleration terminates the policy.
  • •Waiting periods and elimination periods apply per policy contract.
  • •$2,000,000 lifetime maximum shared across all three riders.

Other Living Benefits