Video 11: Critical Illness and Disability Riders Explained

Life insurance protects your family when you are no longer here, but most people

forget about what happens if you survive. A serious illness or injury can destroy your income for

months, sometimes years, and drain your savings faster than you think.

That's where Critical Illness and Disability Riders come in. These are living benefits that protect

you while you're still alive. Critical Illness Insurance pays you a lump sum,

tax free, if you're diagnosed with cancer, heart attack, stroke,

or a number of other conditions. You can use that money for anything. Lost income,

medical treatments, paying down debt, or just taking time to recover without stressing about