Prudential has a few options to enhance your life insurance policy to better fit your needs.
Living Needs Benefit - This is an accelerated death benefit rider. If the insured has been confined to a nursing home for longer than 6 months or expected to live less than 6 months (12 months in CA), access living benefits to help pay medical costs.
Availability and details of how this rider vary from state to state due to regulations.
Benefit Access Rider - If the insured is diagnosed with a chronic or terminal illness, access some of the death benefit to help with care. Use the money however you like, no restrictions and no receipts required. Choose either 2% or 4% per month of the policy amount.
Benefits taken early will be deducted from the eventual death benefit. Expect the cost for this rider to be 5% of premiums and higher depending on age and health profile at the time of application.
Accidental Death Benefit - If the insured dies from an accidental death the death benefit payout will be doubled, up to $500K. Can be used up to age 70 and not available in the state of MA.
Children's Protection Rider - Add a small level term policy on your children. This can be converted to permanent life insurance policy when the initial coverage expires.
Enhanced Disability Rider - If the insured becomes totally disabled for at least 6 months, this rider will make the premium payments for as long as you remain disabled.