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Terminal Illness Rider

You decide how it's used — not your estate.

If a physician certifies a life expectancy of 24 months or less, your death benefit can be advanced to you — while you're alive to decide how 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

One-time payment, no restrictions on use

What qualifies

A single, clear trigger

Life expectancy of 24 months or less

A physician certifies in writing that death is reasonably expected within 24 months.

The core idea

One certification. One payment. Total financial freedom.

Physician certifies prognosis

Doctor confirms life expectancy of 24 months or less in writing

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Benefit calculated

Based on your current life expectancy at time of claim

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Benefit advanced to you

Up to 100% paid as a lump sum while you're alive

Disclosures

  • •Benefits may be taxable. Payments are reported to the IRS on Form 1099-LTC.
  • •Accelerating this benefit reduces the remaining death benefit for your beneficiaries proportionally.
  • •If the full benefit is accelerated, the policy terminates.
  • •The $2,000,000 lifetime maximum is shared across Critical, Chronic, and Terminal illness riders combined.
  • •Life expectancy requirement of 24 months may vary by state.

Other Living Benefits