Accelerated Death Benefit: access funds if terminally ill, typically **50%–80%** of policy value.
ADB funds can be used for treatments, bills, or living expenses; eligibility varies by policy and condition.
Long-Term Care rider: covers care costs if unable to perform daily activities due to chronic illness.
Policy loans: borrow against cash value of permanent policies; unpaid loans reduce death benefit.
Life insurance offers income replacement, investment, estate planning, and living benefits for policyholders.