Page 5 - Living Benefits

Living Benefit Qualifying Conditions

Terminal • If an eligible insured is diagnosed with an illness or condition that is
Illness Rider expected to result in death within 24 months or less.
(12 months in CT, FL, and NY)
• Available on all rate classes

Chronic • If an eligible insured is unable to perform 2 of 6 activities of daily living
Illness Rider 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.

Critical • If an eligible insured is diagnosed with a critical illness .
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Illness Rider • See rider for complete list of critical illnesses and definitions. Covered
critical illnesses may include:

• Heart Attack • AIDS
• Stroke • Severe Disease of Any Organ
• Invasive Cancer (resulting in significantly
• End Stage Renal Failure altered life expectancy)
• Major Organ Transplant • Severe Central Nervous
System Disease (Parkinson’s,
• ALS Huntington’s, Multiple

• Blindness Sclerosis, Encephalitis with
• Paralysis long-term effects)
• Arterial Aneurysms • Major Burns (>40% BSA, 3rd
• Central Nervous System Tumors Degree)
• Major Multi-System Trauma • Loss of Limbs
(Major injury to three or more
organs or systems)

Minimum Death Maximum Total Death Benefit

Benefit Requirements Available for Acceleration

• Minimum $25,000 for Terminal Illness Rider • $2,000,000 for issue ages 0-65
• Minimum $50,000 for Critical or Chronic • $1,000,000 for issue ages 66+
Illness Rider (including all eligible riders attached to the
base policy)

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