Protect Your Future with Accelerated Benefit Riders
Life doesn’t always go as planned — and when unexpected health challenges arise, having the right protection in place can make all the difference.
That’s why many of the top insurance carriers include
Accelerated Benefit Riders (ABRs) with life insurance policies. These powerful additions provide financial flexibility during difficult times by allowing you to access a portion of your death benefit while you’re still living. Whether you’re facing a chronic illness, critical diagnosis, or terminal condition, ABRs are designed to ease the financial burden so you can focus on what matters most — your health, your care, and your loved ones.
Types of Accelerated Benefit Riders
Accelerated Benefit Riders provide a way to access a portion of your life insurance benefit while you're still living — if you're faced with a serious medical condition. These riders are designed to offer financial support during some of life’s most difficult moments, giving you flexibility and peace of mind when it matters most. Below are the most common types available through many insurance carriers:
➤ Chronic Illness Rider
If you’re unable to perform two or more Activities of Daily Living — such as eating, bathing, or dressing — or suffer from cognitive impairment, this rider can provide early access to your death benefit. It helps cover long-term care, in-home support, or medical expenses.
➤ Critical Illness Rider
This rider pays out a portion of your policy if you’re diagnosed with a covered critical illness like cancer, heart attack, stroke, or major organ failure. It gives you financial relief when you need it most — for treatment costs, travel, or day-to-day living expenses.
➤Terminal Illness Rider
If you’re diagnosed with a terminal illness with a life expectancy of 12 to 24 months or less (depending on the carrier), this rider allows you to use a portion of your policy early — helping you manage medical bills, hospice care, or create meaningful memories with loved ones.
We’re Here to Walk You Through Every Step
When you work with our Arkansas-based team at Premier Financial Agency, we’ll take the time to explain your life insurance options — including ABRs — so you feel confident about your coverage. Our licensed agents guide you through the entire process with care, clarity, and consistent follow-up.
Let us help you protect what matters most. Call today to learn more about your options.
