---
title: "What Is Accelerated Death Benefit Rider? | Epic Life"
description: "An accelerated death benefit rider lets the insured receive part of the death benefit while alive if diagnosed with a qualifying condition, such as a..."
url: https://epicline.preview.multisites.ai/glossary/accelerated-death-benefit-rider
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Riders

# Accelerated Death Benefit Rider

An accelerated death benefit rider lets the insured receive part of the death benefit while alive if diagnosed with a qualifying condition, such as a terminal illness. It is also called a living benefit.

## Why it matters

The money can be used for any purpose, such as medical care or daily living costs. Whatever is paid out reduces the death benefit left for beneficiaries, and some carriers charge a fee or interest. Qualifying conditions, the percentage available, and the cost differ by carrier and state. Under federal tax law, benefits for terminally ill individuals are generally excluded from income, and chronically ill rules are more detailed. Ask a tax professional.

Source: [naic.org](https://content.naic.org/consumer/life-insurance.htm)

## Where we use this term

-   [Mortgage protection vs term life vs PMI: who does each one protect?](https://epicline.preview.multisites.ai/guides/mortgage-protection-vs-term-life-vs-pmi)

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