An optional Accelerated Benefit Rider can provide income during a critical illness. What would it be worth to you?

The Power of Life Insurance
Critical Illness
Most people know
life insurance can
provide financial
security and
continuity during
one of life’s most
difficult times: the
death of a loved one.
What few people know is
that life insurance can also help during
another one of life’s most difficult times: a
chronic, critical or terminal illness. This help
comes in the form of optional riders called
Accelerated Death Benefit Riders, also
generically known as Living Benefits, which
can be added at no additional cost.
The following story illustrates just what
Living Benefits can do.
In February 2008, Joyce1
 was a 49 year-old single
mother of two sons. Recognizing the importance of
planning ahead, she worked with her life insurance agent
to purchase a universal life insurance plan for basic
mortgage protection and as a means for supplemental
savings through the policy cash value.2
 The policy was
issued and the Accelerated Benefits Rider was also added.
Only six months later, a spot appeared on her
mammogram. It was breast cancer. Determined to win
this battle, Joyce consulted with her doctors and chose an
aggressive treatment plan. She wanted to be there when
her younger son graduated high school and her older son
returned safely from Iraq, both of which were years away.
To help her focus solely on her treatment and her sons,
Joyce elected to use her ABR critical illness benefit. It
enabled her to take a leave of absence from her job as an
Physical Therapist rather than working through treatments
that often left her weak and nauseous. She also didn’t
have to struggle to find the money to pay the bills while
she struggled to beat her cancer.
“I thought I had already been through some difficult
times, but then I was diagnosed with breast cancer,”
explained Joyce. “This really knocked the wind out of my
sails both mentally and then physically. I’m so relieved I
was able to accelerate the death benefit within my policy
to make this battle seem a little less exhausting.”3
Did you know an optional Accelerated 
Benefit Rider can provide income during 
a critical illness?4
What would it be worth to you?