Indemnity

Also known as an “indemnification” or “reimbursement”, the policyowner receives a living or death benefit, up to a minimum or maximum limit or a multiple of the limit, from the insurer for covering medical damages or financial losses suffered by the insured party.

ABR | Accelerated Death Benefit for Terminal Illness Rider

Receive a cash advance on your death benefit if the insured is diagnosed with a terminal illness.

ABRS | Accelerated Death Benefit for Terminal Illness of Surviving Insured Rider

Receive a cash advance on your death benefit if the second-to-die insured is diagnosed with a terminal illness.

ALTC | Accelerated Death Benefit for Qualified Long-Term Care Services Rider

Receive a cash advance on your death benefit to pay the costs of your long-term care services in a home or facility.

CIR | Critical Illness Rider

COMING SOON!

ELTC | Extended Long-Term Care Benefits Rider

Extend the receipt of a cash advance on your death benefit to pay the costs of your long-term care services in a home or facility.

EPR | Estate Protection Rider

Receive an additional death benefit if both of the insureds die within the first four policy years.

EPRS | Survivorship Estate Protection Rider

Receive an additional death benefit if both of the insureds die within the first four policy years.

LTCI | Qualified Long-Term Care Insurance Rider

Receive a cash advance on your death benefit to pay the costs of your long-term care services in a home or facility.

LTCR | LTCAccessSM Rider

Receive a cash advance on your death benefit to pay the costs of your long-term care services in a home or facility.

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