Protection for when life changes

When life throws an unexpected curveball, life insurance can help—and not just when there’s an unexpected death in the family.

Get money in case of a qualifying medical emergency
Take advantage of a potential source of retirement income
Protect what matters most to you and leave a legacy

Did you know that….

49% of Americans have outstanding health care debt or medical bills, according to Debt.com as of August 2023.

Did you know that….

69% of life insurance owners feel financially secure, compared to 41% of non-owners, according to LIMRA and LifeHappens in their 2023 Life Insurance Barometer Study.

Benefits you can use throughout your life

Accelerated Benefit Riders (ABRs), Benefits Riders ), can provide you with financial support throughout your life.

The ABRs are optional additional clauses, which through National Life Group we can offer you at no extra cost, and that allows you to access a portion of your death benefits, at a discount, to advance them during your lifetime if you experience a qualifying terminal illness, chronic illness, critical illness or serious injury , or a qualifying diagnosis of Alzheimer’s or Lewy body dementia.

It is important to note that the payment of early benefits will reduce the cash value and death benefit that would be payable under the policy if these early benefits were not collected. Receiving early benefits may be subject to tax, may affect your eligibility for public assistance programs, and may reduce or eliminate other policy benefits and riders. Consult your personal tax advisor to determine the tax status of any benefits paid under this rider, and consult with social assistance agencies to understand how receiving such payments will affect you.

ABR benefits are generally unrestricted, except in Massachusetts, where chronic illness ABR benefits can only be used to pay for expenses incurred for qualified long-term care services. So, once you qualify, you can use the money for any purpose.

The benefits may be used, among other reasons, for the following:

Did you know that…

The projected number of new cancer cases in 2024 was 2,000,000 according to Cancer.org on its website

Did you know that…

$392,874 is the lifetime cost of care for a person with Alzheimer’s dementia, according to the Alzheimer’s Association’s 2023 Facts and Figures.

Your safety net for the unexpected

Coverage in case of the following:

Terminal disease

Through National Life Group , we can offer you a Terminal Illness Rider, which allows for payment of the death benefit, subject to a discount, if the insured has a chronic illness or condition that reasonably could result in death within 24 months or less. There’s no waiting period to receive payment; it will be issued as a lump sum. While there’s no annual limit, there is a limit to the number of benefits you can receive from all ABRs during your lifetime. This rider comes at no additional cost.

Alzheimer’s disease

This rider allows for the payment of a portion of the insured’s death benefit, at a discount, if the insured has a qualifying diagnosis of Alzheimer’s disease or Lewy body dementia. The rider is not available if the client has a first-degree relative (mother, father, or sibling) with a history of Alzheimer’s. This rider is free of charge. While there is no annual limit, there is a limit on the number of benefits you can receive from all ABRs during your lifetime.

Chronic illness

If you cannot perform two of the six “activities of daily living” (ADLs) , of daily If you are a disabled person or have a cognitive disability, you will be entitled to receive a discounted death benefit payment (after the rider has been in effect for 30 days). While there is no annual limit, there is a limit to the number of benefits you can receive from all ABR riders during your lifetime. This rider comes at no additional cost.

If a doctor certifies that you are unable to perform two of the six ADLs (listed below) without assistance within a 90-day period, you will qualify for the benefit.

Activities of daily living:

• bathing • toilet training • dressing

• eat • clean • move

You may also receive a discounted death benefit payment if you have been diagnosed with a condition that requires substantial supervision for at least 90 days to protect yourself from threats to health and safety due to severe cognitive impairment.

Serious illness

If you are diagnosed with a qualifying condition, you will be entitled to receive a discounted death benefit payment (after the rider has been in effect for 30 days). The benefit paid is based on the impact on your life expectancy. While there is no annual limit, there is a limit to the number of benefits you can receive from all ABRs during your lifetime. This rider comes at no additional cost.

Qualifying diseases include:

• diagnosis of amyotrophic lateral sclerosis (ALS) (Lou Gehrig’s disease)

• aortic graft surgery • aplastic anemia

• blindness • cancer (in California, only invasive cancer)

• cystic fibrosis • end-stage renal failure

• myocardial infarction • heart valve replacement

• major organ transplant • motor neuron disease

• stroke • sudden cardiac arrest

Blindness is not a qualifier in the states of Connecticut, Illinois, Kansas, Maryland, Massachusetts, Minnesota, New Jersey, New York, Ohio, Pennsylvania, Utah, Virginia, Washington.

Any claim for benefits for a qualifying event must be filed within 365 days of the qualifying event.

Serious injury

If you are diagnosed with a qualifying condition as a result of an injury, you will be entitled to receive a discounted death benefit payment (after the rider has been in effect for 30 days). The benefit paid is based on the impact the condition has had on your life expectancy. While there is no annual limit, there is a limit to the number of benefits you can receive from all ABRs during your lifetime. This rider comes at no additional cost.

Serious injuries covered:

• coma • paralysis

• severe burns • traumatic brain injury

Any claim for benefits for a qualifying event must be filed within 365 days of the qualifying event. In California, your policy can only include the Critical Illness, Critical Injury, and Alzheimer’s Disease riders if you have health insurance coverage. Critical Illness and Critical Injury riders are limited to individuals between the ages of 0 and 64 .