Which rider provides an income stream if the insured requires long-term care services?

This rider enables the insured to receive a portion of the death benefit while still alive, typically due to terminal illness or injury. However, it does not provide an ongoing income stream for long-term care services specifically; rather, it is a one-time payout that reduces the overall death benefit.

While this rider may assist in covering costs related to chronic illnesses, it is not specifically designed to provide an income stream for long-term care services. Instead, it often offers a lump sum or limited payout that may not cover ongoing care expenses.

This rider allows the policyholder to recover premiums paid if the policy is canceled or if the insured does not access the benefits. It does not provide any income stream or financial assistance for long-term care services, as its function is solely related to premium refunds rather than healthcare expenses.