Posted on Oct. 15th, 2026

by Caroline Ledell

2 min. read

Learn how qualifying Alzheimer's disease and Lewy Body Dementia riders may provide financial resources for families.

Alzheimer's, Lewy Body Dementia, and the Living Benefits Conversation Every Family Should Have

What if the person you love most slowly begins forgetting the life you've built together?

The names.

The memories.

The familiar places.

And eventually, perhaps even the people closest to their heart.

Alzheimer's disease and Lewy Body Dementia can change a family's life in ways few people are financially or emotionally prepared to face.

Beyond the heartbreak, families may face caregiving expenses, lost income, changes in living arrangements, and difficult financial decisions.

But here's something many families don't realize:

Some Life Insurance Policies May Help While You're Still Living.

Life insurance is traditionally associated with providing money to loved ones after death.

But certain policies offer Living Benefits that may provide access to a portion of the death benefit during the insured person's lifetime following a qualifying diagnosis.

Through eligible National Life Group policies, an optional Alzheimer's Disease Rider may provide accelerated benefits for qualifying Alzheimer's disease or Lewy Body Dementia.

This is in addition to the broader Living Benefits suite that may address qualifying critical illness, chronic illness, terminal illness, and critical injury.

One life insurance policy can potentially provide multiple layers of protection.

However, the Alzheimer's rider has specific eligibility requirements, including specialist certification, cognitive assessment criteria, age limitations, and family-history restrictions. Not every form of dementia qualifies.

That's why understanding the policy matters.

The Real Question Isn't Just About Money.

It's about protecting the dignity of someone you love.

It's about helping your family navigate a difficult season.

It's about having financial options when unexpected care needs arise.

And it's about recognizing that living longer doesn't always mean living without challenges.

At Vandj Life, we believe financial education should go beyond retirement accounts, investments, and death benefits.

It should include conversations about what happens when life takes a turn nobody expected.

Because sometimes, the most meaningful financial protection isn't about what you leave behind.

It's about what may be available while you're still here.

Before another year passes, consider reviewing your life insurance coverage. You might discover questions you never knew you needed to ask.

While time is your friend, get informed.

Click LIVING BENEFITS and schedule a free consultation with a living benefits specialist.