"Sam, a family man, is diagnosed with a terminal illness at age 58. He uses the money from the Terminal Illness Rider for a surgery that his normal health insurance --- an experimental treatment that saved his life!"

"Mary, age 77, becomes chronically ill. She can no longer stay in her home, so she moves into an assisted living facility. She utilizes her Chronic Illness Rider which provides her with a monthly benefit of $2,500 to help her pay for these added expenses."

"Jim, a single parent, has a son entering college. He was able to take out $30,000 from her policy’s accumulated value through loans and withdrawals to help pay for his son’s tuition."

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