Each Roth IUL has a permanent “survivor benefit” that pays out a large lump sum to your beneficiaries upon your death. Additionally, if you were to become critically ill, you can accelerate your survivor benefit to use for time off work, in-home care, or in a facility, or to use for experimental treatment. Some people say it doubles as a long term care benefit. Using money that was targeted for the possibility of death, for something that you need when living, is termed “living benefits”.