This benefit is provided when a policy pays the sum insured upon death or diagnosis of a critical illness, whichever occurs first. If the life assured suffers a critical illness which are specified in the policy, then the sum assured is paid and the policy is terminated, i.e. payment of benefit is accelerated forward from payment on death. Some policies accelerate a portion of the sum assured in which case the contract stays in force and pays the balance of the sum assured upon subsequent death. Most policies accelerate 100% of the sum assured.