Benefits of Life Insurance Accelerated Death Benefit Riders

As demand rises for life insurance policies, companies are looking for ingenious ways to market policies that favor each customers unique situation. Other than typical mainstream advertising, many life insurance companies are now offering policies that include riders on a policy. One of the most popular riders on a policy is an accelerated death benefit riders. This rider offers substantial benefits to the policyholder.

To put it in perspective, a rider attached to a policy, provides additional coverage that isn’t stated in the original contract. Riders can be added to a policy in which may require an extra premium being charged. In some cases, the policy may already have the rider attached.

An accelerated death benefit, is a rider in which a portion of the death benefit of a life insurance contract is payable upon a diagnosis of a chronic, critical or terminally ill patient. The rider will state exactly how much of the death benefit will be available. The death benefits that are to be paid out by the policy, will be reduced by any amounts paid under the accelerated death benefit rider.

It wasn’t until the late 1980’s when accelerated benefits were installed to assist patients that had contracted the AIDS virus. These benefits allowed the policyholder to collect a portion of their life insurance benefits before they passed away. This helped the policyholder in aid for the payments of hospital and medical bills. Only terminally ill were offered this benefit, but since it’s inception, the coverage has included other illnesses that are categorized as chronic, critical or catastrophic as well.

For example, a person purchases a $1,000,000 life insurance policy with an accelerated benefits rider (ABR) attached. The person now becomes a policyholder. The policyholder keeps payments current and sometime down the road, unfortunately contracts a terminal illness. By owning a policy with the ABR, the policyholder can submit a claim to the insurance company for benefits. The policyholder could submit a claim of $1 to $1,000,000. Depending upon the severity, the underwriters of the insurance company will overlook their situation and pay the full claim or offer a lesser amount due to the situation. There are many factors that determine the amount of benefits that are awarded to the policyholder.

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