Does the viator have benefits available from his/her own insurance company?
In some cases the viator’s insurance company may offer accelerated benefits or have a living benefit rider. If the viator qualifies, the insurance company will pay a certain percentage of the total benefit if the viator meets certain requirements(i.e., 6-12 month life expectancy). In most cases, the insurance company will pay an advance of 50%, leaving the remainder for the named beneficiary.
