Sunay Shah's Dad

No receipts are required and there’s no waiting period.

Once your claim is approved, you begin receiving income immediately. You should consult with your personal tax advisors regarding the implications of receiving accelerated death benefit payments. There are instances where the rider proceeds are taxable as income. 5 This depends on: • If additional benefits are being received under similar contracts • Wheth er qualified expenses (e.g., costs associated with preventative, therapeutic, curing, treating, rehabilitative services, etc.) are incurred

BenefitAccess Rider— two components for protection. 1. Chronic illness 2. Terminal illness Each works differently from the other, but combined they give you protection should you suffer a chronic or terminal illness.

CHRONIC

TERMINAL

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