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A coma is a state of extended unconsciousness due to inefficient brain function. This unresponsive state can be caused by a traumatic blow to the head, oxygen deprivation from choking or drowning, severe infection, exposure to toxins, or extremely high blood sugar.
Under most circumstances, life insurance policies do not pay out as long as the policyholder remains alive. If you are in a coma or otherwise totally disabled, your life insurance coverage should remain in effect (provided your premiums are paid) until your death, or until the term of the policy expires with term life insurance.
For most life insurance policies, optional riders can be added at the time of purchase, including the following options:
This benefit is available under some life insurance policies. If you become disabled before the age of 60 and die before the insurance company determines that you qualify for a waiver of premium, the company will pay your death benefits, provided you were disabled up until your death.
If the insurance company determines you are a suitable candidate for rehabilitation, it may require that you undergo an assessment and participate in a rehabilitation plan, not to exceed a specified period. This plan may consist of physical, vocational, or educational rehabilitation. It may involve modified or part-time work. Refusal to participate in the plan without a valid medical reason could terminate your insurance coverage.
If you are concerned about what happens to your life insurance if you are in a coma or become otherwise disabled, our friendly agent is happy to help. Riders are available to help ensure your life insurance remains in effect if the unexpected should happen. We can review your life insurance policy and help you purchase the coverage you need to keep your death benefit protections in place in case of a disabling illness or injury.
Filed Under: Life Insurance | Tagged With: Life Insurance