: Major health events like a heart attack, stroke, or organ failure .

: Permanent confinement to a long-term care facility. 4 things to know about accelerated death benefit options

: Diagnosis with a life expectancy of 6 to 24 months .

: Inability to perform at least two Activities of Daily Living (ADLs) , such as bathing or dressing.

To activate this benefit, a policyholder typically must be diagnosed with a qualifying condition: