in death within 24 months of certification of the illness by a physician.

Receiving your benefit

The benefit payment will be a lump sum. There is no waiting period or annual benefit limit, but there is a lifetime limit on the amount of benefits you can receive across all Accelerated Benefits Riders.

Here if you need it

You can elect to either:

• Request the full acceleration, on a discounted basis, and use the lumpsum as you wish.

• Choose to leave a portion of the policy’s death benefit intact and receive a partial benefit.

• Choose to leave the entire policy intact for your beneficiary.