A. Most of term life products do not include free living benefits riders. AIG's recently introduced QoL Flex term product is an exception - it includes 3 free living benefits riders (terminal illness rider, chronic illness rider, and critical illness rider), and its premium is still very competitive when compared with the regular term life products.
You can click here to visit the QoL Flex term life product page from AIG Direct, it provides a lot details about this product, after reading it, you will have a pretty good idea whether this is the product you need or not.
Here is its quoting tool, you can play around with different coverage amount, term length, and health conditions.