It's life insurance coverage that allows you to access the death benefits form your life insurance policy while you are alive.
Some plans offer this coverage which allows you to get a portion of the life insurance death benefit if you have become ill and have a short life expectancy of around 1 year or less, depending on the terms of the life insurance policy.
This would allow you to have money to help pay for health expenses you may have, or other expenses.
Learn more about how accelerated death benefits life insurance works and why it may be an important benefit to have in your life insurance policy.