AARP term and whole life products offer a living benefit rider, also known as an accelerated death benefit rider. If you're diagnosed with a terminal illness and given a life expectancy of 24 months (12 months in NY) or less, you can access up to 50% of your death benefit while alive. There is also a Nursing Home Waiver Of Premium Rider that waives premiums if you're confined to a nursing home for 180 consecutive days. Lastly, the permanent whole life policy has an optional Term Rider Protect Plus, which adds on additional term coverage until 80.