This option will accelerate a certain percentage of your death benefit if you have a critical illness with the inability to take care of yourself. (insurechance.com)
If you were to die, your beneficiary would still receive a certain percentage of the death benefit because you would have paid a certain amount of premiums up to that point in time. (termlife2go.com)
Insurance companies pay the specified percentage of the death benefit in a lump sum. (investopedia.com)