{"id":999,"date":"2020-01-20T12:58:41","date_gmt":"2020-01-20T12:58:42","guid":{"rendered":"http:\/\/localhost:8000\/family-accidental-death-benefit-2\/"},"modified":"2020-01-20T12:58:41","modified_gmt":"2020-01-20T12:58:42","slug":"terminal-illness-accelerated-death-benefit-life-insurance-rider","status":"publish","type":"page","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=999","title":{"rendered":"Terminal Illness Rider"},"content":{"rendered":"<section class=\"migrated-section row-0\">\n<div class=\"acf-field stream_0_circles_theme_generated_in_functions\">default<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 0 &#8211; Not found in Media XML]<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/01\/f7da9e4c-terminalillness_hero.jpg\" alt=\"stream_0_mobile_image\" class=\"migrated-media id-1125\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/03\/6617df3d-term_ill_rider_header.jpg\" alt=\"stream_0_desktop_image\" class=\"migrated-media id-648536\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_0_style\">style-blue<\/div>\n<div class=\"acf-field stream_0_title\">Terminal Illness Rider &#038; Accelerated Death Benefit<\/div>\n<p><a href=\"#get-quote\" target=\"\" class=\"acf-link\">Get My Quote<\/a><\/p>\n<div class=\"acf-field stream_0_eyebrow\">LIFE INSURANCE RIDER<\/div>\n<div class=\"acf-field stream_0_description\">Take a percentage of your death benefit early if you have a terminal illness \u2013 and use as you see fit.<\/div>\n<div class=\"acf-field stream_0_page\">Default<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-1\">\n<div class=\"acf-field stream_1_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_1_style\">info-white<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/assets.fidelitylife.com\/uploads\/2019\/09\/security.svg\" alt=\"stream_1_icon\" class=\"migrated-media id-143\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_1_small_icon_holder\">0<\/div>\n<div class=\"acf-field stream_1_title\">\n<h2>Is an accelerated death benefit rider a good fit for me?<\/h2>\n<h3>  An accelerated benefit rider allows you to:<\/h3>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-2\">\n<div class=\"acf-field stream_2_circles_theme_generated_in_functions\">content_short<\/div>\n<p class=\"acf-field stream_2_text\">\n<ul class=\"box-list\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Add additional coverage to certain existing or new term life insurance plans from Fidelity Life, often at no additional cost.<\/li>\n<li>Access some of your death benefit in case of a terminal illness diagnosis.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<div class=\"acf-field stream_2_remove_padding\">0<\/div>\n<div class=\"acf-field stream_2_add_table_of_contents\">0<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-3\">\n<div class=\"acf-field stream_3_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_3_style\">promise-grey<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 1 &#8211; Not found in Media XML]<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 0 &#8211; Not found in Media XML]<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/03\/f9415133-terminalillness_rider_contentsecimg.jpeg\" alt=\"stream_3_image\" class=\"migrated-media id-648540\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_3_title\">What is a terminal illness rider (accelerated death benefit rider)?<\/div>\n<div class=\"acf-field stream_3_description\">An accelerated death benefit rider, also known as a terminal illness rider, is a supplemental life insurance product that gives you early access to your death benefit if you\u2019re diagnosed with a terminal illness. If you\u2019re given a short time to live, an accelerated benefit for terminal illness rider pays out a portion of your life insurance policy while you\u2019re still living.<\/p>\n<p>So, what does an accelerated death benefit rider mean for your family? These terminal illness benefits mean you have the financial freedom to put your affairs in order, travel, pay for end-of-life care, or cover anything else you need.<\/p>\n<p>An accelerated benefit rider for terminal illness often comes with Fidelity Life policies at no extra cost. This rider goes into effect once a medical professional confirms your diagnosis and short life expectancy.<\/p><\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-4\">\n<div class=\"acf-field stream_4_circles_theme_generated_in_functions\">default<\/div>\n<p class=\"acf-field stream_4_text\">\n<h2>Who qualifies for an accelerated death benefit terminal illness rider?<\/h2>\n<p>An accelerated benefit, or\u00a0terminal illness rider, is typically available for healthy adults between 18 and 85 years of age\u00a0who qualify for a Fidelity Life\u00a0<strong><em>RAPID<\/em><\/strong>ecision\u00ae Final Expense or the <strong><em>RAPID<\/em><\/strong>ecision\u00ae Guaranteed Issue policy. If you already have an illness which could be terminal in the near future, such as cancer or late stage kidney failure, you will usually not qualify for this rider.<\/p>\n<h2>Pros &amp; cons of accelerated death benefit riders<\/h2>\n<p>Wondering whether an accelerated death benefit rider is right for you? Here\u2019s a brief look at how it can help meet your needs.<\/p>\n<h3><strong>Pros<\/strong><\/h3>\n<ul>\n<li><strong>No cost to you.<\/strong> You can add an accelerated death benefit rider to Fidelity Life\u2019s RAPIDecision\u00ae Final Expense or Guaranteed Issue plans with no additional premium increase, making it a no-risk way to gain extra protection.<\/li>\n<li><strong>Access your death benefit early if needed.<\/strong> If you have a qualifying critical illness, you can tap into a portion of your life insurance payout early to cover any financial needs while you\u2019re still alive.<\/li>\n<li><strong>No spending restrictions.<\/strong> If you do access your payout early, you can spend the money on whatever you choose, like covering medical bills, paying off debt, hiring a caretaker, or even taking a special trip with your family.<\/li>\n<\/ul>\n<h3><strong>Cons<\/strong><\/h3>\n<ul>\n<li><strong>Reduces your total death benefit payout.<\/strong> If you decide to take out a portion of your death benefit payout while you\u2019re living, the amount you withdraw will be subtracted from the lump sum payout that\u2019s left to your beneficiary once you die. For example, if you have a $100,000 policy and take out $40,000, your beneficiaries will receive a $60,000 payout when you die. Make sure your loved ones know about any withdrawals to avoid financial surprises later.<\/li>\n<li><strong>Only takes effect during a qualifying critical illness.<\/strong> While an accelerated benefit rider only pays out if you get sick, permanent life insurance plans typically come with a cash value component you can access for any reason during your lifetime. If you want to borrow funds from your policy in other situations, talk to a life insurance agent about how much cash value different policies provide.<\/li>\n<li><strong>Only available when you buy your policy.<\/strong> You\u2019re only able to add an accelerated benefit rider when you purchase your life insurance policy with Fidelity Life. If you think you might need it later, don\u2019t put off adding this rider when you buy.<\/li>\n<\/ul>\n<div class=\"acf-field stream_4_remove_padding\">0<\/div>\n<div class=\"acf-field stream_4_add_table_of_contents\">0<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-5\">\n<div class=\"acf-field stream_5_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_5_heading\">Questions about accelerated death benefit riders<\/div>\n<div class=\"acf-field stream_5_use_alphabetical_index\">0<\/div>\n<div class=\"acf-field stream_5_type\">default<\/div>\n<div class=\"migrated-grid repeater-list\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_5_list_0_title\">\n<h3>What Is a Life Insurance Rider?<\/h3>\n<\/div>\n<div class=\"acf-field stream_5_list_0_content\">A rider is supplemental to your life insurance policy. It amends the policy to include optional terms or conditions. Riders may increase premiums, but they can offer additional benefits and expanded coverage.<\/div>\n<\/div>\n<div class=\"migrated-card card-1\">\n<div class=\"acf-field stream_5_list_1_title\">\n<h3>How Does an Accelerated Benefit Rider Work?<\/h3>\n<\/div>\n<div class=\"acf-field stream_5_list_1_content\">If you are diagnosed with a terminal illness and expected to have a short life expectancy, an accelerated benefit (or terminal illness benefit rider) rider will allow you with withdraw a portion of your normal death benefit. You may withdraw up to the lesser of $100,000 or 50% of the death benefit. The rest of your death benefit remains payable to your chosen beneficiaries upon your death.<\/p>\n<p>You can use this money however you see fit. If you survive longer than doctors expected, nothing changes \u2013 your life insurance still remains in effect. You will still pay your premiums, and your remaining death benefit will stay in effect. It&#8217;s best to consult with a tax professional to better understand any tax consequences of an accelerated death benefit.<\/p><\/div>\n<\/div>\n<div class=\"migrated-card card-2\">\n<div class=\"acf-field stream_5_list_2_title\">\n<h3>When Can I Use an Accelerated Death Benefit Rider?<\/h3>\n<\/div>\n<div class=\"acf-field stream_5_list_2_content\">This rider comes into effect once your diagnosis and life expectancy has been confirmed by a medical professional, and you are given only a short time (usually less than 12-24 months) to live.<\/div>\n<\/div>\n<div class=\"migrated-card card-3\">\n<div class=\"acf-field stream_5_list_3_title\">\n<h3>Which Policies Come With a Terminal Illness Rider Benefit?<\/h3>\n<\/div>\n<div class=\"acf-field stream_5_list_3_content\">If you qualify for a Fidelity Life\u00a0<strong><em>RAPID<\/em><\/strong>ecision\u00ae Final Expense or the <strong><em>RAPID<\/em><\/strong>ecision\u00ae Guaranteed Issue policy, you can add an accelerated\u00a0 benefit rider to your policy. This terminal illness benefit is available at no additional premium charge to you.<\/div>\n<\/div>\n<div class=\"migrated-card card-4\">\n<div class=\"acf-field stream_5_list_4_title\">\n<h3>Can I Add an Accelerated Benefit Rider to an Existing Fidelity Life Policy?<\/h3>\n<\/div>\n<div class=\"acf-field stream_5_list_4_content\">No. An accelerated benefit rider must be provided when the policy is purchased, and cannot be added at a later date.<\/div>\n<\/div>\n<div class=\"migrated-card card-5\">\n<div class=\"acf-field stream_5_list_5_title\">\n<h3>Can I Add an Accelerated Benefit Rider to an Existing Fidelity Life Policy?<\/h3>\n<\/div>\n<div class=\"acf-field stream_5_list_5_content\">If you receive a terminal diagnosis from a medical professional and have an accelerated benefit rider, you can use the money any way you see fit.<\/p>\n<p>You may use it for medical care or to enhance your comfort while you&#8217;re ill. You can use it to work less or stop working so you can spend more time with your family. An accelerated death benefit can be used for travel. It can be distributed while you&#8217;re living to relatives, close friends, and chosen charities. You can even use it to pay off your mortgage or pre-pay your funeral expenses.<\/p><\/div>\n<\/div>\n<div class=\"migrated-card card-6\">\n<div class=\"acf-field stream_5_list_6_title\">\n<h3>What Happens if I Am Diagnosed With a Terminal Illness and Then Die From Illness?<\/h3>\n<\/div>\n<div class=\"acf-field stream_5_list_6_content\">If you have an accelerated benefit rider and are given a terminal diagnosis but still feel well, you may want to spend as much quality time with loved ones as possible. You could withdraw a percentage of your life insurance policy death benefit before you die, and use that money as you see fit. If you later die from that illness, your beneficiary will receive the remaining amount of the death benefit.<\/div>\n<\/div>\n<div class=\"migrated-card card-7\">\n<div class=\"acf-field stream_5_list_7_title\">\n<h3>What Happens if I Am Diagnosed With a Terminal Illness but Then Live a More Extended Life Than Expected?<\/h3>\n<\/div>\n<div class=\"acf-field stream_5_list_7_content\">If you receive a terminal illness diagnosis and are given a short period to live, you can withdraw the set percentage of your life insurance policy death benefit per the terms of your accelerated benefit rider. If you then live longer than your initial life expectancy and continue to pay your premiums,\u00a0your beneficiary receives the remaining death benefit when you pass.<\/p>\n<p>For example, Betsy has a $200,000 life insurance policy with a terminal illness rider. She is diagnosed with end stage renal failure and given six months to live. She withdraws $80,000 (40%) of her death benefit, and distributes it personally to her relatives, closest friends, chosen charities, and pays off some debts. Betsy continues to pay her premiums, outlives her diagnosis, and dies 8 months later. Her beneficiary receives the remaining $120,000 (60%) of the death benefit.<\/p><\/div>\n<\/div>\n<div class=\"migrated-card card-8\">\n<div class=\"acf-field stream_5_list_8_title\">\n<h3>Why Should I Choose Fidelity Life?<\/h3>\n<\/div>\n<div class=\"acf-field stream_5_list_8_content\">Fidelity Life is committed to helping you find the right life insurance. For more than 100 years, we\u2019ve been helping everyday people like you get the life insurance you need and the peace of mind you deserve. Our mission is to work with you throughout your life. Whether just starting out, raising your children, or getting ready to enjoy retirement, we design products with families like yours in mind.<\/p>\n<p>You can feel confident we\u2019ll be there for your loved ones because we carry an A+ rating from the Better Business Bureau as well as an A- rating (Excellent) from A.M. Best Company, the oldest and most widely recognized provider of ratings for the insurance industry.<\/p>\n<p>Our commitment to our customers, and their families, shows up in our innovative products and our top-notch customer service.<\/p><\/div>\n<\/div>\n<div class=\"migrated-card card-9\">\n<div class=\"acf-field stream_5_list_9_title\">\n<h3>How Can I Get Started?<\/h3>\n<\/div>\n<div class=\"acf-field stream_5_list_9_content\">If you want to calculate your life insurance coverage needs, you can use our <a href=\"\/life-insurance-calculator\/term-life-insurance-calculator\/\">calculator<\/a>. Then, we&#8217;ve made it simple to <a href=\"#get-quote\">get your application started<\/a> online.<\/div>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-6\">\n<div class=\"acf-field stream_6_enable\">1<\/div>\n<div class=\"acf-field stream_6_circles_theme_generated_in_functions\">theme_28<\/div>\n<div class=\"acf-field stream_6_display_single\">0<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-7\">\n<div class=\"acf-field stream_7_enable\">1<\/div>\n<div class=\"acf-field stream_7_circles_theme_generated_in_functions\">default<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-8\">\n<div class=\"acf-field stream_8_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"migrated-grid repeater-features\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_8_features_0_title\">Find out how much coverage you need<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/assets.fidelitylife.com\/uploads\/2019\/08\/calculator.svg\" alt=\"stream_8_features_0_icon\" class=\"migrated-media id-99\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_8_features_0_use_post_from_blog\">0<\/div>\n<div class=\"acf-field stream_8_features_0_description\">Calculate your life insurance coverage needs<\/div>\n<p><a href=\"https:\/\/fidelitylife.com\/life-insurance-calculator\/term-life-insurance-calculator\/\" target=\"\" class=\"acf-link\">Calculator<\/a>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-9\">\n<div class=\"acf-field stream_9_enable\">1<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-10\">\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/10\/4d2ae549-callin_slider_img.png\" alt=\"stream_10_image\" class=\"migrated-media id-649983\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_10_content\">\n<div class=\"slider-text\">A LICENSED AGENT IS AVAILABLE NOW!<\/p>\n<div class=\"slider-navigation-phone slider-phone-text\"><a href=\"tel: 1-844-486-2054\">CALL 1-844-486-2054<\/a><\/div>\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>default [MISSING IMAGE ID: 0 &#8211; Not found in Media XML] style-blue Terminal Illness Rider &#038; Accelerated Death Benefit Get My Quote LIFE INSURANCE RIDER Take a percentage of your death benefit early if you have a terminal illness \u2013 and use as you see fit. Default default info-white 0 Is an accelerated death benefit [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":620,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-999","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Accelerated Death Benefit Rider for Terminal Illness<\/title>\n<meta name=\"description\" content=\"For life insurance policyholders concerned about a terminal illness, an accelerated death benefit (ADB) rider allows you to receive a portion of your death benefit.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Accelerated 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