Terminal Illness Life Insurance with Early Access to Benefits
Support for you—when it matters most.
Terminal illness life insurance includes a rider that allows you to access part of your death benefit early if you're diagnosed with a terminal condition. At Lorraine Smith Insurance, we help you secure a policy that provides financial relief and peace of mind during life’s most challenging moments.
What Is Terminal Illness Life Insurance?
Terminal illness life insurance refers to any life insurance policy with an accelerated death benefit rider that provides early access to a portion of your payout if a physician diagnoses you with a terminal illness, typically with a life expectancy of 12–24 months. The funds are yours to use however you choose—medical bills, family support, or personal comfort.
Benefits of Terminal Illness Life Insurance
Early Payout
Receive part of your life insurance benefit before death
Peace of Mind
Focus on quality of life without financial stress
Financial Relief
Cover healthcare, living costs, or travel
Flexible Use
Spend the funds however you choose
No Extra Cost
Often included with standard life insurance policies
Is Terminal Illness Coverage Right for You?
You may benefit from terminal illness life insurance if you:
01
Want access to funds in case of a terminal diagnosis
03
Need help covering medical or hospice care expenses
02
Prefer to maintain control over your finances in uncertain times
04
Want to spend meaningful time with family without financial strain
Why Choose Lorraine Smith Insurance?
We’re more than insurance agents—we’re advocates for your peace of mind. At Lorraine Smith Insurance, we provide:
-
Caring, honest guidance through sensitive topics
-
Help reviewing and adding terminal illness coverage to your policy
-
Straightforward explanations of how and when benefits are paid
You don’t have to face difficult decisions alone—we’re here to help.
