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No, typically the Ryder that is attached to your policy will be at "no additional cost" and our "A" rated companies strive to provide value so in most cases you will find pricing of these policies with Living Benefits will be at the same cost or in some cases just slightly higher or even sometime lower that a competitive price
Unless there are special circumstances, our carriers do not normally require any fluid/blood collection to underwrite policies with a face value under $1MM. There are cases that when the company may ask for a test, but they realize most people don't like tests and they try to avoid them.
Depending on your needs, your agent will offer a few options that best address your situation. Each Carrier have slightly different criteria, and your Agent will be sure to walk you thru what triggers will allow for an acceleration claim.
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