I've seen it in Alzheimer's riders, so that if you're diagnosed with that or dementia, then you receive access to the death benefit to help pay for the care with that. I've also seen fertility riders as a living benefit for women, especially between their late twenties and forties, if for whatever reason you're unable to get pregnant this living benefit would help you pay for fertility. Whatever the case might be for what your specific needs are. So living benefits are very very versatile and they're going to vary from carrier to carrier.
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