A. While most term life insurance policies only pay out when the owner dies, the accelerated term life insurance, especially if it's a free rider, gives you a nice benefit at the time you need the most - when you are seriously sick but won't die.
For details, here is an article from MoneyUnder30 worth a read.
Please contact us if you are interested in such Accelerated Term Life policies, we represent all of the life insurers in the U.S. that offer such policies.