Coverage that can help while you’re still living
Modern life insurance is more than a death benefit. Living-benefit riders let you access part of your coverage early in certain situations, and other riders tailor the policy to your family — often at little or no extra cost.
Many policies let you access a portion of the death benefit early if you’re diagnosed with a qualifying terminal, chronic, or critical illness. The money can help pay for care or simply ease the strain — and what’s left is still paid to your beneficiaries.
A waiver-of-premium rider keeps your policy in force if you become disabled and can’t work. A child rider adds coverage for your children. A return-of-premium rider refunds your premiums if you outlive a term policy. A conversion rider lets you move term to permanent without a new exam. We’ll help you choose the riders that add real value.
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Some accelerated death benefit riders are included at no additional premium; others and certain riders carry a small cost. The value they add — access to funds during a health crisis — is often well worth it.