Available on all single-premium whole life products, Living Benefit Riders provide a payout of a portion of the certificate’s death benefit when the insured faces a chronic, critical or terminal illness. It’s our way of being there for you when you need us most. As a member-owned, not-for-profit organization, Gleaner provides these options for no additional premium.

Chronic Illness Rider

Provides financial support when a covered chronic illness prevents the insured from performing basic day-to-day tasks like bathing and dressing; can be exercised up to three times as needed.

• Available for issue ages 0-70
• Minimum payout of $2,500
• Maximum payout of 25% of the certificate's face amount, not exceeding $50,000
• Up to three annual payouts permitted, with a total maximum of $100,000

Critical Illness Rider

Provides financial support in the event of a major health crisis, guaranteeing that funds are available in the face of a covered critical illness.

• Available for issue ages 0-70
• Minimum payout of $2,500
• Maximum payout of 25% of the certificate's death benefit, not exceeding $100,000
• One-time occurrence

Terminal Illness Rider

Provides an early payout of a portion of the certificate's face amount if the insured is considered terminally ill, minimizing end of life financial strains.

• Available for all issue ages
• Minimum payout of $2,500
• Maximum payout of half the certificate's face amount, not exceeding $500,000
• One-time occurrence

Living Benefit Riders available at no additional premium based on underwriting and the age of the insured; combined maximum rider amounts apply across all life insurance products.