With the addition of these no-cost riders, you can access your death benefit
to help cover costs that may be incurred due to a critical, chronic or terminal illness. These expenses might include: Nursing home care, Home health
care, Adult day care, Medical procedures, Drug therapies, Household
expenses, Quality of life expenditures. |
The ABRs allow you to access all or part of your death benefit if diagnosed with a critical, chronic or terminal illness. The critical and terminal illness benefit is paid as a lump sum distribution. For chronic illness, you may request to accelerate up to 2% of the death benefit each month (or 24% per year) not to exceed the IRS per diem limit and the total ABR death benefit amount.
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