Which Carrier Has the Best Living Benefits in CA?

Dear all,

In CA here, Columbus, LSW, AIG, have terminal, chronic and critical living benefits ( no cost )

Midland, North America has Terminal and Chronic, No critical living benefits.

Allianz has terminal, but no Chronic, No critical living benefits in CA ( ?? pls verify for me for Allianz )

which company has the best living benefits here ? Some companies, when calculate Accelerated Death benefits for these living benefits, they DISCOUNTED the death benefits a lot, so the client don't got a lot of living benefits in advance, PLUS they will have very little Dealth benefits left.
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