Term Life Insurance With Living Benefits (Quotes, Comparison, & More)

Term life insurance with living benefits can keep you from going broke by paying out for long-term care and medical bills. Affordable term life insurance policies with living benefits don’t have to be hard to find. They're offered as an additional rider in most cases.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Written by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: May 12, 2022

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Quick Facts

  • Term life insurance with living benefits offers you some standard life insurance benefits before you are deceased.
  • Term life insurance with living benefits is often referred to as accelerated death benefits.
  • Term life insurance with living benefits is usually offered as an optional rider.
  • Term life insurance with living benefits can often be included in your policy for a small increase in cost.
  • Receiving living benefits will not change your overall death benefit, just the timing in which the benefit is received.

There is no other form of insurance or a financial tool that provides the value you get from term life insurance with living benefits. It’s inexpensive, simple to maintain, and term life insurance quotes are easy to get.

We’re here to help walk you through finding the best term life insurance with living benefits, how to get the best rates, and more. Read our living benefits insurance review to get started.

Ready to start looking for quality term life insurance with living benefits quotes? You can then buy term life insurance with living benefits at the best rates. Read on to learn more about term insurance with living benefits now.

Table of Contents

What is life insurance with living benefits?

Term life insurance with living benefits (also known as an accelerated death benefit) is essential for financially protecting your loved ones, business, or estate.

Who needs life insurance with living benefits? What are living benefits? What is the whole life with living benefits? What are the living benefits of life insurance? There are a lot of questions to ask.

Most life insurance companies include a rider on their term life policies that allows for the payment of a portion of the policy death benefit to be paid to the policy beneficiary(s) in the event the primary insured is diagnosed as terminally ill by a practising, licensed physician.

This is usually called an accelerated death benefit rider or living benefit rider. The rider is almost always included at no additional cost and is subject to state availability.

Each life insurance living benefits company has guidelines regarding the specific requirements of the rider. The chart below shows some of these guidelines and the general range across companies.

Term Life Insurance Guideline Requirements for Rider
GuidelinesRider Requirements
Life Expectancy

6 – 12 Months
Amount Allowed25% – 75%
Maximum Amount $250K – $500K
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Life expectancy is the amount of time the licensed physician expects the primary insured to live. The amount allowed is the percentage of the policy face amount the insurance company will “accelerate” or payout. The maximum amount is simply the most the company will pay under the rider.

It is important to note the amount accelerated is treated like a policy loan and is deducted from the face amount of the policy along with any accrued interest and administrative fees.

The accelerated death benefit rider can be a valuable feature should you become terminally ill during the term of your life insurance policy.

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Proceeds can be used to pay related medical expenses, prepay funeral expenses, or settle any other outstanding issues before an anticipated death. Of course, you may never choose to use the rider, which may be the best scenario of all.

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Who are the best living benefits life insurance companies?

Several companies offer this living benefits insurance policy with their level policies or additional rider.

Northwestern Mutual offers an early pay benefit if the insured has been diagnosed with less than six months to live. This isn’t available in some states. Likewise, some policies are exempt from the early pay benefit.

With Northwestern’s early pay benefit, you can expect to get up to 50% of your death benefit ahead of time.

MetLife offers long-term care and an accelerated death benefit rider to assist with any care that your loved one may need. This rider will keep you from having to dip into your own personal savings to cover assisted living or a part-time nurse.

To qualify, the insured will have to be unable to perform the basic and necessary acts of daily life such as bathing, eating, dressing, and using the bathroom on their own.

New York Life offers an accelerated care rider that can be used in case of permanent or temporary impairment. To qualify, the insured will have to be unable to perform the basic and necessary actions of everyday life. They will front you half your death benefit, up to $500,000.

Prudential’s BenefitAccess™ rider will front you up to 100% of your death benefit if you’re facing a chronic or terminal diagnosis that requires further care.

As long as you sign up at the start of your policy and have a coverage amount of at least $100,000, you’ll be all set to take full advantage of this rider.

Lincoln National’s TermAccel® term life policy offers a minimum coverage of $100,000 and can be accelerated if you face an illness that’s likely to result in your death.

Receiving this life insurance living benefit early can be taxed and affect your ability to draw assistance from government programs. There is a one-time charge if you choose to use this rider.

Who are the top life insurance companies by market share?

Here are a few companies that already offer accelerated death and accelerated care benefits either as a rider or already included in the policy.

Top Five Life Insurance Companies by Market Share
CompaniesMarket Share
Northwestern Mutual6.42%
New York Life5.68%
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A market share indicates a company’s percentage hold on the consumer base. These companies have high market shares due to their excellent service and the degree to which they have helped customers in their times of need.

There are many questions to answer before we can say who has the best term life insurance policy. Add in special scenarios like accelerated death benefits and things become even more difficult.

How much does living benefit life insurance cost?

Rates may vary between companies and based on your risk factors. Here is an example of what you can expect to pay with Lincoln National, which offers insurance living benefits attached automatically to the policy.

These rates reflect the different prices between men and women who don’t smoke.

Lincoln Financial Average Monthly Life Insurance Rates by Age and Gender
DemographicsAverage Monthly life Insurance Rates
25-Year-Old Female$187
25-Year-Old Male$231
35-Year-Old Female$191
35-Year-Old Male$238
45-Year-Old Female$239
45-Year-Old Male$283
55-Year-Old Female$435
55-Year-Old Male$615
65-Year-Old Female$903
65-Year-Old Male$1,577
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As you can see, the prices can multiply exponentially the longer you wait to sign up for the policy. It’s best to sign up for the policy early to get the type of policy you want at affordable term life insurance with living benefits rates.

Keep in mind that living benefits for National Life Group policies will likely have different price variables than AIG living benefits. Read on for the living benefits life insurance definition.

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What is the purpose of having an accelerated death benefit on a life insurance policy?

The living benefits definition is almost exactly what the name implies: benefits paid from the term life policy while you’re living. These are more commonly known as accelerated death benefits.

With these benefits, the life insurance company pays or advances a portion of the policy’s death benefit to you to pay for care or treatment.

The company will then pay the balance of the death benefit to your beneficiary(s) if you were to die.

Many companies offer life insurance with living benefits. Transamerica life insurance company, for example, has integrated this idea into a new term life offering called Trendsetter LB (Living Benefits).

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The Trendsetter LB policy pays accelerated death benefits to policy owners who are either chronically, critically, or terminally ill.

Which type of life insurance provides living benefits?

Let’s take a look at the three most common types of life insurance with living benefits.

What is a chronic illness accelerated death benefits rider?

According to the Centers for Disease Control and Prevention, chronic diseases such as heart disease, stroke, and cancer are among the costliest of all health problems in the United States.

If you were to become chronically ill during the term of the policy, the company would advance up to 90% of the policy’s coverage amount ($500,000 maximum) to help you pay for treatment or to replace lost income.

To qualify for this benefit, a licensed health care practitioner has to verify that you’re unable to perform two out of the six activities of daily living (bathing, continence, dressing, eating, toileting, and transferring).

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What is a critical illness accelerated death benefits rider?

If you were to suffer a critical health condition such as lung cancer, heart attack, stroke, or paralysis, you could be eligible to receive accelerated death benefits from your policy.

Once again, the company will advance up to 90% of the policy’s face amount ($500,000 maximum) if a licensed physician determines that you’re critically ill.

Can you get life insurance if you have a terminal illness?

Are accelerated death benefits with a terminal illness out of the question? Learn about terminal illness accelerated death benefits riders.

The terminal illness benefit is for more serious conditions where a licensed physician has diagnosed you have less than 12 months to live. It’s safe to go by common terminal diagnoses as provided by Stanford.

This policy will advance up to 100% of the policy’s face amount, with a maximum of $500,000.

The terminal illness benefit has been around for a long time and isn’t unique to Transamerica Life’s Trendsetter LB policy. In fact, it’s a very common benefit included in most term life insurance policies.

The benefit amounts and terms do vary by company, so be sure to ask your agent for specifics if this benefit is important to you.

What are the accelerated death benefit limitations?

It’s important to note that there are some limitations to be aware of with these types of benefits. Whether it be a legal issue that needs ironing out or ineligibility based on your underwriting, you may face issues getting your policy.

There are many factors considered by the life insurance company when evaluating a request for accelerated death benefits. It’s a good idea for you to get a solid understanding of these benefits before you purchase a policy.

You don’t want to wait until a chronic illness strikes to learn how your policy works. The two most prominent limitations are legal & financial and prior underwriting.

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What is an accelerated death benefit example?

Accelerated death benefits aren’t available in every state. For example, the Transamerica term life insurance policy with living benefits isn’t available in New York. It’s available in Texas, but the terminal illness portion is not.

Many standard term life policies that offer accelerated death benefits are also limited by state restrictions. It’s best to confirm availability in your state with your agent.

How much you can receive ahead of time will be determined before you start your policy. So you should be sure to ask your agent or review that information on your contract.

Many benefits are limited regarding amount and frequency. For example, although the chronic illness benefit allows up to 90% of the policy’s face amount, that amount is limited to 24% per year.

There may be other limitations based upon individual circumstances, such as life expectancy.

Something else to look out for is the fees that will be taken out of the advance before you receive the money, so you don’t get surprised when you receive less than expected.

Accelerated death benefits are essentially loans against the policy’s face amount.

The company will use a benefit interest rate used to determine the present value of future benefits. This rate, along with administrative fees which vary by company, will be factored into the amount of the benefit allowed.

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Another important consideration is that receiving the lump sum could place you above the qualifying requirements for Medicaid and Social Security benefits. You should discuss this with your agent before you lose out on your benefits.

If you’re given a sudden medical diagnosis that doesn’t look good, you most likely won’t be able to get this policy. This benefit or rider is best purchased as a just-in-case option.

Outside of this, you can expect the typical underwriting process where your job, habits, and overall health as a whole will be considered before you learn if your policy was accepted.

If your family has a history of severe illness or you live a riskier lifestyle, then you can expect to pay higher premiums to cover that risk.

What factors affect your life insurance premium?

Your rates will mostly be affected by any risks that make it more likely that you’ll die during the life of the policy. If the insurer thinks they will have to pay out before they make a profit, you may even be denied altogether.

They will find out what risk you pose through a process called underwriting. An underwriter will look at your life to determine the likelihood that you’ll pass away before the end of your policy.

You may be subject to anything from a voluntary questionnaire to blood work and a medical exam.

If you live a riskier life, you may have to pay higher premiums to cover that risk. If you live longer to pay the premiums, and the insurer has a better chance of making a profit on the policy, your premiums will be lower.

While certain red flags stand out to insurers, anything that poses a risk to your life will be viewed negatively.


Even if you have no risky behavior in your life, there are still chances you’ll have to pay more for coverage. The two factors that affect all our policy decisions are age and gender.

Age is important, because the older you get, the more susceptible you become to disease and injury. The later in life you decide to purchase your policy, you’ll be paying that much more for life insurance. The best way to get savings no matter what is to start your policy as soon as you can.

Gender is important because on average, men die sooner than women, according to the NCBI. Because of this, women often don’t have to pay as much as men who are in the same risk categories. The savings aren’t monumental, but women do pay less each month for their premiums.

The best way to get good premiums is, undoubtedly, starting as soon as you can. You’re guaranteed to save more for every year that you sign up earlier for your policy.

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Health & Family Medical History

As previously mentioned, the insurer will look at your health to determine what kind of risk you pose. The underwriter will do research and ask you questions to understand your health and susceptibility to illness.

You may be subject to a voluntary questionnaire, blood work, a physical, or all three. It’s best to disclose any prior illnesses, medications, or anything else you use that may be found in these results.

If you’re not honest, you’ll likely be declined from the policy. Your underwriter researches clients every day, so if you’re hiding something, they will likely be able to find out.

Likewise, most insurers won’t give you a policy if there is evidence that you may get sick soon. So if your family has a history of heart disease, cancer, or another unpredictable prognosis, you’ll likely have to pay more to cover that potential risk.

If you don’t have enough time to pay into the investment to offset the loss, the insurer won’t see any value in doing business with you.

High-Risk Occupation

Since insurers care about things that pose a risk to your life, the underwriter will spend time gathering information about your job as well. If you work in a field that has a high fatality rate, insurers will most likely look at that negatively.

Those with dangerous jobs put their lives on the line to keep us all going along, and we are grateful for it. That being said, it might be worthwhile to take a look at jobs that could raise your life insurance premium.

These policies are specifically geared towards that industry and offer coverage that’s more affordable than you would get from an individual policy.

That being said, some jobs are more hazardous than others. Some examples include trash and recycling collectors, roofers, pilots and flight engineers, logging workers, and individuals who work in the fishing industry.

High-Risk Hobbies

Just like your occupation, what you do in your free time could cause an insurance underwriter to raise your premiums if you’re up to any risky activity.

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If you don’t report these activities to your insurer and you perish while doing them, your family may not receive the death benefit because of your dishonesty.

Smoker? Term life insurance e-cigarette use and tobacco use may raise rates. Tobacco use may even cause you to pay twice as much on your premiums when paired with your age.

This is because of the known effects and dangers of tobacco use. With the new research surfacing surrounding the dangers of using e-cigarettes, some insurers will classify you as a smoker or put you in another more expensive category.

Adrenaline junkies should watch out because extreme sports and other risk-taking behaviors will land you with high premiums or no policy at all.

This includes things such as skydiving, base jumping, rock climbing, and anything that can leave you with little or no protection from the consequences.

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How to Get the Best Life Insurance Rates

When it comes to getting the best rate, it isn’t overly complicated. Plus, everything you do to lower your premiums will benefit your health in the long run anyway.

Since the insurer bases your premiums on your risk of death, you should do everything you can do to extend your life.

There are a few things you can do to get better rates:

  • Cut out the junk food and sugary drinks as much as possible.
  • Hit the gym to get healthier and increase your heart health.
  • Quit or limit your bad habits, such as smoking and excessive drinking.
  • Limit risk-taking behaviors or take extra safety precautions.

While all these are important and will certainly help you lower your rates, just starting your policy earlier will already save you more no matter your other risk categories.

The longer that you have to pay your policy, the longer the insurance agency can collect your premiums. If they don’t think they will have to pay out during the policy due to your death, that equals profit for them.

Does term life insurance have living benefits?

There are a lot of companies that offer this program with their base term policies. If you have less than two years left to live, you can claim a portion of the death benefit to take care of any medical bills or expenses that come up.

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These term policies usually have fees or restrictions baked in, so you should be sure of all the conditions before you sign that dotted line. Many companies have a living benefit life insurance option. What is a living benefit option?

This option is designed to help customers get benefits even though they haven’t died, thankfully. Many times this comes in the form of a rider.


If your term policy doesn’t offer an accelerated death benefit, you’ll have to pay extra to add it as a rider to your policy. What is a living benefit rider on life insurance?

It’s essentially an extra clause added to your typical term life insurance policy. Make sure you know the conditions and fees associated with your rider to keep from getting surprised later on.

In some cases, even if your policy already offers an accelerated death benefit, you can add a rider to double your coverage.

What are the pros and cons of living benefits life insurance?

Whether you should get a term life policy with an accelerated death or living benefit depends on your life and what you think your future may hold. With it being such a sensitive topic, it’s wise to weigh both the positives and negatives.

Life Insurance with Living Benefits Pros and Cons
May be included in base policyIf not included, there will be an add-on cost
Allows a portion of death benefit to be used for medical expensesLess money is available for funeral costs after death
Money goes directly to insured or their beneficiaryAmount is based on medical condition not financial need
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While you can get an add-on rider with almost any insurer, you’ll save much more if you can find a company that includes living benefits with your base policy.

How does term life insurance help the living?

Okay, so you’re alive, and you want to keep it that way. After all, you still have places to see, things to do, people to love. Fair enough. How can term life insurance help you with this? Life insurance for the living — sounds like an oxymoron, right?

Term life insurance is ideal for protecting your family financially if you pass away. But what about protecting your family in the event of a critical or chronic illness such as a heart attack, stroke, or cancer?

Would you have the funds to cover those unexpected medical expenses or the lost income you would suffer? Sure, you can buy separate policies to cover those situations. But what if you could get one policy to cover it all: death, terminal, critical, and chronic illness?

Well — you can.

What is term life insurance?

If life insurance was like ice cream, term life insurance would be the flavor vanilla. And that’s a good thing — for several reasons. First, it’s the most basic, simple, and pure form of life insurance protection you can buy. No frills, no thrills.

Second, because you only get what you need, you don’t have to pay for those extra frills and thrills. And finally, vanilla is the most popular flavour of ice cream, according to The Food Channel.

Life insurance companies continue to add additional benefits to their term life policies to spice them up and make them more attractive to you. This, too, can be a good thing.

We’re talking about goodies like accelerated death benefits, disability waivers, and conversion options. Think of these added benefits as the sprinkles or mini M&Ms on top. And the best part — they’re included for free!

What are living benefits?

Perhaps the best “topping” of all is living benefits from Transamerica Life Insurance Company. They are exactly what the name implies: Life insurance with benefits you can use while you are still living.

Living benefits are similar to accelerated death benefits. Both offer access to your policy’s death benefit (aka coverage amount or face amount) to cover things such as terminal illness.

Hence the word “accelerated.” These benefits are provided to you early, and your new death benefit amount is reduced by the amount taken, applied interest, and administrative fees.

“Whoa, wait a minute,” you say? “If they are the same, what makes living benefits so special then?”

Glad you asked. Accelerated death benefits are more restrictive in that many companies make them available only in the case of a terminal illness. This means you must be diagnosed by a licensed physician as having a reduced life expectancy — say, six months for example.

Living benefits shine here because they can be used for terminal illnesses as well as critical and chronic illnesses. So you don’t necessarily have to be on your deathbed to get the money you need.

Perhaps you had prolonged treatment for cancer, or you require nursing care because you are not able to perform two or more activities of daily living such as bathing, dressing, or eating.

How much cash are we talking about here?

Sorry, there’s no easy answer for this one. Like many things, there are several factors at play here, such as:

  • The policy face amount you choose to accelerate
  • Your life expectancy as determined by the life insurance company
  • The accelerated benefit interest rate
  • Administrative fees

The benefit is based on the severity of the illness and the impact on remaining life expectancy. Here’s an example of how it would look for a $200,000 term life policy with 90% acceleration ($180,000).

Average Life Insurance Living Benefits Based on Age, Gener, and Class
AgeGenderClassAmount of Insurance
25FemaleSuper Preferred$1,370,000.00
25MaleSuper Preferred$1,095,000.00
35FemaleSuper Preferred$1,165,000.00
35MaleSuper Preferred$1,010,000.00
45FemaleSuper Preferred$455,000.00
45MaleSuper Preferred$350,000.00
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And It’s Mine … to Keep?

Yes, your benefit is yours to keep. It is not a loan, and you do not have to repay it to the life insurance company. You can pay for medical care and treatment, in-home nursing care, or medical supplies and equipment.

You can also use the funds to replace the lost income and help with non-medical-related bills and expenses. The money is yours to use as you wish.

Also, depending on how much you accelerate, you will still have some death benefits leftover on your life insurance policy for your beneficiaries.

Keep in mind that a return of premium is a different type of rider that also can help you financially. What happens if I live past my term life insurance? You’ll want a return of premium rider if you think this is possible.

Term Life Insurance With Living Benefits: What’s the bottom line?

When deciding to get insurance for your family, you want to make sure that anything the unpredictable future might bring is covered. Whether it be a fatal injury or unforeseen illness, you want to make sure that you don’t encounter any urgent medical expenses.

While this type of benefit is very helpful for covering unexpected expenses, it may be subject to only cover certain illnesses.

You may also classify for a percentage of the death benefit early and the lump sum can even cause issues if you receive any social assistance.

If you can get a policy that includes the living benefits at no additional cost, you’ll get a bonus for your life insurance coverage. If you can’t find a policy you like with the accelerated death benefit built-in, you can add a rider for an additional cost.

You may also want to search “life benefit insurance” but you’ll probably yield better results from auto insurance companies if you speak with them directly.

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If you’re worried about the potential for illness, such as with family history or warning signs, this policy will help you make sure that you leave no bills behind while you focus on spending your final days in peace.

Frequently Asked Questions: Term Life Insurance With Living enefits

Here are a few additional questions about term life insurance with living benefits:

#1 – What triggers an accelerated death benefit?

An accelerated benefit can be triggered by you or the policyholder reaching out to the insurer with proof of the diagnosis. Some insurers have specific illnesses that they will cover as well as prognosis where the insured has less than a certain amount of time to live.

#2 – How are accelerated death benefits taxed?

Accelerated death benefits are typically not taxed. However, the influx of additional income can make you ineligible to receive Social Security and other government benefits that you may depend on. Discuss this with the insurance agent before you collect the benefit.

#3 – How can an accelerated death benefit be used for long-term care?

The accelerated death benefit might be able to help with covering the cost of a long-term living facility. This may sometimes be restricted by a percentage of the face value that can be used in specified periods.

This usually covers nurses, home care, and even long-term facilities. If you would like to use this sometime in the future, it’s good to understand any special obligations you have to meet.

#4 – What is the quality of life insurance?

Quality of life insurance is just another term for living benefits or accelerated death benefits.

#5 – Is term life insurance or whole life insurance better?

It depends on your finances and situation. Whole life insurance is often more expensive but does have some benefits. Follow this link to read more about term life insurance vs. whole life insurance.

Whole life insurance with living benefits will work essentially the same as term life insurance with living benefits. It might be worth researching universal life insurance with living benefits, too.

#6 – Should I purchase long-term care combined with life insurance?

Long-term care insurance provides benefits if you need to enter a nursing home or other care facility. It can be expensive when purchased either on its own or in combination with a life insurance policy.

#7 – What are permanent life living benefits?

Permanent life insurance has a death benefit, not unlike term life insurance. The difference with a permanent life insurance policy is, on a tax-deferred basis, you can accumulate a cash value.

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