A Critical Illness Rider allows you to access part of your policy’s death benefit if you’re diagnosed with a serious illness, such as cancer or a heart attack. This feature can provide financial support to help pay for treatment costs, therapies, or even living expenses during a challenging time.
While using the rider reduces the eventual death benefit payout to your beneficiaries, it gives you the flexibility to use some funds when they’re needed most. It’s a way to balance life insurance protection with practical financial needs if a health crisis occurs.