Imagine a scenario where a severe injury or disability prevents you from working. If your condition necessitates aid with at least two out of the six daily activities for longer than 90 days, you'd be eligible for a payout to assist with living costs. These costs could encompass mortgage payments, car installments, or other domestic expenses. Just consider the relief of knowing that, even in the event of a disability, you might still have an income stream to counterbalance the escalated medical bills.

Thanks to advancements in healthcare, the survival rates for critical illnesses are higher than ever. A benefit like this allows you to access a portion of your death benefit early if you're diagnosed with a qualifying critical illness such as a heart attack, stroke, or life-threatening cancer. This financial support can help alleviate the significant financial strain these illnesses often bring, aiding your recovery process. For many, this benefit has been a crucial factor in maintaining their home ownership amidst health challenges.

Visualize receiving the devastating news from your doctor that you only have 12 months to live. What actions would you take? How would you choose to spend your remaining time? With this rider, you have the option to access up to 100% of your death benefit early upon being diagnosed with a terminal illness. This flexibility allows you to decide how best to utilize your death benefit payout. It can significantly lessen the financial stress associated with medical expenses, enabling you to cherish your remaining moments with your loved ones in a more peaceful manner.