October 2025 Council Message
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No one expects a devastating diagnosis, but if it happens, you’ll be able to put your whole life insurance policy to work immediately — while you and your family need it.
One of those riders is the new Chronic Illness Armor rider, which helps guard your family against the financial strain of a chronic health diagnosis. For a modest premium, this rider allows you to access your policy death benefit to cover mortgage payments, medical bills or any other expenses that come in the wake of a chronic illness. There are no restrictions on what you can use the accelerated benefits for!
The Terminal Illness Rider will also accelerate your death benefit and can help provide funds if you receive a terminal diagnosis that shortens your life expectancy. Like the Chronic Illness Armor rider, this benefit can be used to cover anything from a family trip to end-of-life expenses.
In short, life insurance with living benefit riders can help your family prepare not just for an unexpected death, but also serious illness through a means that allows you to use your benefits during your lifetime. It’s a daunting scenario to consider, but if it does happen, financial relief is possible.