Living Benefits
Life Insurance that allows access to benefits with an early payout to help pay for unexpected illnesses.
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Terminal Illness
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Critical Illness
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Chronic Illness

Terminal Illness

If an eligible insured has an illness or condition that is expected to result in death within 24 months or less. (1)

Chronic Illness 

If an eligible insured is unable to perform 2 of 6 activities of daily living for a period of at least 90 days or requires constant supervision to protect from threats to health or safety due to severe cognitive impairment.

The ADLs include bathing, continence, dressing, eating, toileting, and transferring.
1. Some States May Limit The Definition Of Terminal Illness To Conditions That Are Expected To Result In Death Within 12 Months.
2. Claims Will Not Be Processed Until At Least Thirty Days After The Qualifying Illness Has Occurred

Critical Illness

Covered critical illnesses may include (2):
1. Heart Attack
2. Stroke
3. Invasive Cancer
4. End Stage Renal Failure
5. Major Organ Transplant
6. ALS
7. Blindness
8. Paralysis
9. Arterial Aneurysms
10. Central Nervous System Tumors
11. Major Multi-System Trauma (Major injury to three or more organs or systems) – Not Available in California
12. AIDS – Not Available in California
13. Severe Disease of Any Organ (resulting in significantly altered life
expectancy)
14. Severe Central Nervous System Disease (Parkinson’s, Huntington’s, Multiple Sclerosis, Encephalitis with long-term effects) – Not Available in California
15. Major Burns (>40% BSA, 3rd Degree)
16. Loss of Limbs
Disclaimer:  Not all insurance companies offer the same living benefits, and the terms and conditions of policies can vary.
Living benefits, such as accelerated death benefits or critical illness riders, are features that may be included in certain life insurance policies. The availability, scope, and specifics of these benefits depend on the individual policy and the insurance provider. Customers are encouraged to review the terms and conditions of their specific policy to understand the extent of living benefits provided.