A type of insurance policy under which the insured receives a certain percent of the death benefit (usually 25%) on the condition that a specified illness state arises prior to death. As a result, the insured can receive an accelerated death benefit whereby it is possible to cover medical costs and improve the insured’s chances of life. Of course, the insurance company will need to establish that such an illness condition does exist in which case it pays the amount of accelerated death benefit. The remaining percentage (i.e., traditional insurance coverage minus% minus death benefit%) will be paid to the beneficiary upon the death of the insured.