Are Accelerated Death Benefits Worth the Extra Cost?

I was quoted for basic term life by my insurance agent through Auto Owners at what I think are pretty good rates for both the wife and I. They do not have any type of accelerated death benefits however. A friend of mine who is in life ins sales quoted me a similar policy with Foresters, however the Foresters policy has terminal, critical, and chronic riders with it. Free according to him, however the policies are approximately 38% more than the Auto Owners policies without those riders so clearly the "free" riders are baked into the cost. Makes sense I guess, nothing is free of course. I guess

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