Although
safety should remain an important aspect of AUPs, such policies should also promote effective use of the Internet and ensure that every student
benefits fully from the
substantial investments schools have made in educational technology.
Provides an accelerated death
benefit if the insured is certified by a physician within the last 12 months as unable to perform two of six Activities of Daily Living (ADLs) for 90 consecutive days, or requires
substantial supervision to protect himself or herself from threats to health and
safety due to severe cognitive impairment.
Additional
benefit riders should your health status change: With the Accelerated Death Benefit for Chronic Illness Rider, up to 50 % of the policy's death benefit ($ 500,000 maximum) can be accessed in advance if a licensed health care practitioner certifies during the prior 12 - month period that the insured is unable to perform at least two of six activities of daily living for a period of at least 90 days due to a loss of functional capacity, or has a severe cognitive impairment, requiring substantial supervision to ensure the health and safety of him or h
benefit riders should your health status change: With the Accelerated Death
Benefit for Chronic Illness Rider, up to 50 % of the policy's death benefit ($ 500,000 maximum) can be accessed in advance if a licensed health care practitioner certifies during the prior 12 - month period that the insured is unable to perform at least two of six activities of daily living for a period of at least 90 days due to a loss of functional capacity, or has a severe cognitive impairment, requiring substantial supervision to ensure the health and safety of him or h
Benefit for Chronic Illness Rider, up to 50 % of the policy's death
benefit ($ 500,000 maximum) can be accessed in advance if a licensed health care practitioner certifies during the prior 12 - month period that the insured is unable to perform at least two of six activities of daily living for a period of at least 90 days due to a loss of functional capacity, or has a severe cognitive impairment, requiring substantial supervision to ensure the health and safety of him or h
benefit ($ 500,000 maximum) can be accessed in advance if a licensed health care practitioner certifies during the prior 12 - month period that the insured is unable to perform at least two of six activities of daily living for a period of at least 90 days due to a loss of functional capacity, or has a severe cognitive impairment, requiring
substantial supervision to ensure the health and
safety of him or herself.
With the Chronic Illness Rider, up to 50 % of the policy's death
benefit ($ 500,000 maximum) can be accessed in advance if a licensed health care practitioner certifies during the prior 12 - month period that you are unable to perform at least two of six activities of daily living for a period of at least 90 days due to a loss of functional capacity, or have a severe cognitive impairment, requiring
substantial supervision to ensure your health and
safety.3, 4,5,6