Chronic Illness Riders


  • Monthly benefits paid out at 2% or 4% of initial death benefit indemnity style so no receipts are required.

  • Funds can be used for anything the client wishes

  • Residual death benefit payout if entire amount isn’t accelerated

Eligibility Triggers

  • Severe cognitive impairment

  • Assistance performing 2/6 ADL’s

  • Some carriers don’t require the condition to be permanent.


  • Single premium up to pay for life like a traditional Universal Life.

    • Savings, cash value from existing life plans