Most life insurance policies have a section / rider that allows for an acceleration of the life insurance benefits. It is also a source of litigation because the life insurance companies have a strong tendency to deny claims made for these benefits.
Insure.com published an article on this subject in September 2019. The article is titled, Accelerated Benefit Riders: How Your Life Insurance Can Help You While You’re Still Alive.
The article tells us , as life expectancy creeps to 80 years old, more Americans are turning to life insurance to help them while they’re still alive. One example is an accelerated benefits rider (ABR).