^How Accelerated Benefit Riders ^Work

Accelerated Benefit Riders (ABRs) are optional, no-additional-cost riders that can allow you to access all or part of the death benefit while you are living in the event of qualifying terminal illness, chronic illness, critical illness, or critical injury — or a qualifying diagnosis of Alzheimer’s disease or Lewy Body Dementia.

Terminal Illness

Our Terminal Illness Rider allows for the payment of a portion of an insured’s death benefit, on a discounted basis, if the insured has an illness or chronic condition that can reasonably be expected to result in death in 24 months or less. There is no additional premium for this rider.

Alzheimer’s Disease and Lewy Body Dementia

The rider allows for payment of a portion of an insured’s death benefit, on a discounted basis, if the insured has a qualifying diagnosis of Alzheimer’s disease or Ley Body Dementia. The rider will not be available if the client has a first degree relative (mother, father, or siblings) with a history of Alzheimer’s disease.

Covered critical illnesses:

-Diagnosis of ALS (Lou Gehrig’s Disease)	-Heart Valve Replacement *
-Aorta Graft Surgery *	-Major Organ Transplant *
-Aplastic Anemia *	-Motor Neuron Disease *
-Blindness **	-Stroke
-Cancer ***	-Cystic Fibrosis *
-End-Stage Renal Failure	-Sudden Cardiac Arrest *
-Heart Attack

Covered Critical Injuries:

-Paralysis*	-Severe Burns*
-Traumatic Brain Injury*	– Coma*

Covered critical illnesses and covered critical injuries may vary by state. There is no additional premium for this rider. Please refer to your policy for specific details about these riders.

In California, your policy can only include Critical Illness, Critical Injury, and Alzheimer’s Disease riders if you have health insurance coverage. Critical Illness and Critical Injury availability is limited to issue 0-64.

Other Policy Enhancement

FlexLife offers additional optional riders that can be added to provide an extra safety net for you and your loved ones. Availability may vary by state. Your financial professional can help you determine which riders may be right for you.

Fertility Journey Rider

Provides a one-time Accumulate Value Credit in the event of qualifying event of qualifying reproductive assistance.

Charitable Matching Gift Death Benefit

Guaranteed Insurability Option