Our Chronic Illness Rider Requires No Additional Underwriting

Even if your client doesn’t qualify for long-term care, they still need some form of protection.

Our Income Advantage and Life Protection Advantage IULs can help meet clients’ needs with the automatic Chronic Illness Rider that is issued on policies with NO additional underwriting requirements!
This rider provides an accelerated death benefit if the insured is unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 consecutive days (as certified by their physician) or experiences severe cognitive impairment.