Accelerated benefit riders allow you to access the death benefit from your life insurance policy while you are still living. In most cases, these riders are triggered by an inability to care for yourself on a daily basis. For example, if you become disabled or unable to perform at least two out of the six activities of daily living (ADLs), then you can use some or all of your death benefit to pay for home health care or nursing home expenses. Check with your life insurance company to learn more about its specific guidelines for this type of rider.