“There’s a real tax benefit here, which is important from my customers’ point of view. Because it is tied into the life insurance policy, the payments a customer receives through the Accelerated Access rider are generally tax-free,” said Ken Smith of Central Financial Group, an Aviva agent. “And, customers who use the rider can be confident that they can maintain direct control of the death benefit, who receives it, what it is used for and know that, in most cases, at least $20,000 of death benefit will always remain.”Other consumer advantages include the ease with which customers can receive benefits that can be used toward care-related expenses, limited paperwork to sign up for the rider and, once benefits are accessed, no need for receipts to be turned in for qualifying expenses. Additionally, as Aviva USA developed the rider and researched consumer demand, it focused on ways to remove the traditional waiting period found in similar chronic care products. “There’s security in knowing money is available to meet unplanned expenses facing customers with a chronic illness,” said Jones. “The rider is just one more way we recognize our customers’ individual financial needs, and what we mean by building insurance around you.” Aviva USA recommends discussing the benefits of the Aviva Accelerated Access rider with a life insurance professional. More information about the Aviva Accelerated Access rider can be found on avivausa.com. About Aviva USA Aviva USA is a sales leader of indexed life insurance and indexed annuities. Headquartered in West Des Moines, Iowa, Aviva USA also has offices in Topeka, Kan., and Melville, N.Y. Aviva USA has approximately 930,000 customers and employs 1,800 people across the country. Aviva USA is part of Aviva plc, the world’s sixth-largest insurance group, and can trace its presence in the U.S. back to 1896.