Protect Your Future with Term Life Insurance and a Chronic Illness Rider

Planning for the unexpected is a critical part of financial security. Term life insurance is already a trusted option for affordable coverage, but adding a chronic illness rider elevates its value even further. What does this mean, and how can it help you?​

​A chronic illness rider is an optional add-on to your term life insurance policy that provides financial support if you are diagnosed with a qualifying chronic illness. These illnesses typically include conditions that prevent you from performing two or more activities of daily living—such as bathing, dressing, or eating—or require significant supervision due to cognitive impairment. With this rider, you can access a portion of your policy's death benefit while still alive. These funds can be used for medical bills, home modifications, or other personal expenses.

One key advantage is that any portion of the death benefit not used for chronic illness remains intact. This means your beneficiaries will still receive a payout at the end of your term policy, even if you’ve utilized some of the funds for healthcare needs. This ensures you can address today’s challenges without compromising the financial security of your loved ones in the future.

At Landau Insurance Brokers, we understand that everyone's needs are unique. Whether you're interested in a term life policy with a chronic illness rider or exploring other options, we’re here to guide you.

Contact Landau Insurance Brokers today for a personalized consultation. Let us help you find the best insurance policy to secure your peace of mind!