A Health Crisis
When a serious health concern arises, like an unexpected chronic illness, the road to getting better may take a while, and expenses can begin to add up - to the point that it can affect how you plan for your financial future and your retirement years.
CONSIDER THE VARYING EXPENSES ASSOCIATED WITH TRADITIONAL CARE.
Consider the varying expenses associated with traditional care.
It's important to protect yourself. With a fixed index universal life (FIUL) insurance policy, you have death benefit protection for your loved ones as well as a Chronic Illness Accelerated Death Benefit Rider.
With the Chronic Illness Accelerated Death Benefit Rider, you have the option to accelerate a portion of your death benefit if you become chronically ill. The rider is included with your policy, subject to
age and underwriting requirements,2 so protection is there when you need it most. Although there is no cost to have the rider on the policy, there is a charge if and when the rider is exercised.
The cost of the rider is based on age, premium class, current cash value, and current discount interest rate at the time of acceleration.