BenefitAccess Rider

A new way to help protect against chronic illness or terminal illness costs

Introducing the BenefitAccess Rider, available with PruLife® Universal Protector and coming soon on other policies.

7 in 10 people age 65 and older will become chronically ill.* Are your clients prepared for this reality?

The innovative product design of BenefitAccess provides a unique way to help them plan for the costs of chronic or terminal illness.**

Adding the optional BenefitAccess Rider to a UL Protector policy at an additional cost means having multiple levels of protection:

  • UL Protector provides guaranteed death benefit protection.
  • BenefitAccess lets clients advance up to 100% of the death benefit if they ever become chronically ill, or they're diagnosed with a terminal illness. Certification and claim approval required.

BenefitAccess Q & A

Click each question to expand:

  • What are some conditions people often need care for?
    There are a wide range of conditions that may cause someone to become chronically ill. Some examples include Alzheimer's disease, stroke or chronic heart and lung diseases. Or clients may be terminally ill, for example, in the final stages of cancer.
  • How do clients qualify for BenefitAccess benefit payments?
    Clients qualify for benefits when a licensed health care practitioner certifies that the insured:
    1) without substantial assistance, has been or will be for a period of at least 90 days, unable to perform at least 2 of 6 Activities of Daily Living (Bathing, Dressing, Eating, Transferring, Toileting, Continence); OR
    2) requires substantial supervision due to a severe cognitive impairment; AND
    3) the condition is expected to last the rest of the insured's life.
    Recertification is required every 12 months.
  • Do clients need to submit bills or receipts to receive benefits?
    No. BenefitAccess pays benefits without regard to expenses incurred by client.
  • What are some ways clients can use income from BenefitAccess payments?
    Once qualified, there are no restrictions on the use of benefit payment proceeds. Benefits can be used for medical costs or for any other reason such as transportation, home renovations and maintenance, groceries, prescriptions, and other day-to-day living expenses.
  • Can clients choose to receive care at home?
    Yes. Care can be received at home by anyone, including a family member or health care professional.

Business Building Tools

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