Benefit — Advance Death

: Permanent confinement to a long-term care facility. 4 things to know about accelerated death benefit options

: Major health events like a heart attack, stroke, or organ failure . advance death benefit

To activate this benefit, a policyholder typically must be diagnosed with a qualifying condition: : Permanent confinement to a long-term care facility

An is a life insurance policy feature that lets you receive a portion of your death benefit while you are still alive. Often called a living benefit rider , it is designed to ease financial strain during serious health crises. 🩺 Eligibility Criteria advance death benefit

: Inability to perform at least two Activities of Daily Living (ADLs) , such as bathing or dressing.

: Diagnosis with a life expectancy of 6 to 24 months .