American Income Life: Terminal Illness Rider

 

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For fillable Forms and training materials visit this link

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Terminal Illness Rider: When the life insured is diagnosed with a terminal illness rider, he is entitled to half the face amount on his policy. So if the policy has a face amount of $2,000,000, he or she may be entitled to $1,000,000. 

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 Relevant Statistics: "GENEVA (ILO News) – Nearly three million workers die every year due to work-related accidents and diseases, an increase of more than 5 per cent compared to 2015, according to new ILO estimates. The toll underscores the persistent challenges in safeguarding the health and safety of workers, globally.


Most of these work-related fatalities, totalling 2.6 million deaths, stem from work-related diseases. Work accidents account for an additional 330,000 deaths, according to the analysis. Circulatory diseases, malignant neoplasms and respiratory diseases rank among the top three causes of work-related death. Together, these three categories contribute more than three-quarters of total work-related mortality" ("Nearly 3 million people die of work-related accidents and diseases", 2023) 

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Relevant Stats: “Cancer is a large group of diseases that can start in almost any organ or tissue of the body when abnormal cells grow uncontrollably, go beyond their usual boundaries to invade adjoining parts of the body and/or spread to other organs. The latter process is called metastasizing and is a major cause of death from cancer. A neoplasm and malignant tumour are other common names for cancer.

Cancer is the second leading cause of death globally, accounting for an estimated 9.6 million deaths, or 1 in 6 deaths, in 2018. Lung, prostate, colorectal, stomach and liver cancer are the most common types of cancer in men, while breast, colorectal, lung, cervical and thyroid cancer are the most common among women...” ("Cancer", 2025)

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References

(2025). Cancer. WHO. Retrieved June 30, 2025, from https://www.who.int/health-topics/cancer#tab=tab_1

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