Living benefits: Accelerated death benefit riders

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When choosing a life insurance policy, the death benefit paid to a beneficiary is the primary focus. However, did you know that some life insurance plans provide additional living benefits? Policies not only provide financial security after death, but in some cases they may provide benefits in the event of a terminal or permanently incapacitating illness.

An accelerated death benefit rider is an enhancement to a life insurance policy that allows a policy owner to access some portion of the death benefit while the insured is still living.


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Prepare for emergency: Keep AEDs maintained

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Over 424,000 sudden cardiac arrests occur each year, according to the Sudden Cardiac Foundation. Sudden cardiac arrest (SCA) occurs when a person becomes unconscious with no pulse and no breathing. This can happen to anyone, anywhere. This person is clinically dead.

But according to the American Heart Association, rescuers who know cardiopulmonary resuscitation and use an automated external defibrillator (AED) can increase the chance of survival to 50 to 74 percent.


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