Accelerated benefits, once dispensed under a life insurance policy rider, do not require repayment even if the policyholder's anticipated death does not occur as quickly as previously expected. This particular feature is an essential aspect of the accelerated death benefits rider in life insurance.
The provision is designed to ease financial burdens faced during periods of severe illness or disability. Despite the name 'accelerated death', no repayment is demanded should the insured person live longer than initially projected.
The terminal illness accelerated benefit rider offers this relief precisely because it understands that dealing with critical health issues requires focus and resources without additional worries about future debt tied to their accelerated benefit.