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What illnesses qualify me to take money out of my life insurance policy?

Depending on which healthcare riders you choose, you will need to qualify for Long Term Care, Chronic Illness, Critical Illness, or Terminal Illness definitions. - Long Term Care: a disease or injury that is recoverable in which you cannot perform 2/6 Activities of Daily Living (ADL) including eating, bathing, dressing, transferring (moving around), continence (controlling bowel movements), or toileting. - Chronic Illness: a permanent disease or illness in which you cannot perform 2/6 ADL’s outlined above in Long Term Care. In addition, if you have a severe neurological disease that can cause injury or harm to yourself or others if unsupervised. - Critical Illness: specific illness that is determined by each carrier, but often include stroke, heart diseases, critical injuries that lead to paralysis, blindness, etc. - Terminal Illness: activated when you have 12 months (designated by a healthcare professional). Often, you can take your coverage out early, though sometimes this rider only allows you to take a certain percentage of your coverage out early and cancelling the rest of the coverage amount.

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