Golden Rule Insurance Company, part of UnitedHealth Group, filed in Kansas on October 2, 2025, to introduce a new Accelerated Benefit Rider for Critical Illness tied to its term life policies. The rider offers benefits between $25,000 and $100,000 and is paired with a $60 annual policy fee.

The filing, currently pending industry response, drew regulatory objections over its diagnostic requirements and the absence of a benefit summary outlining effects on cash value, taxes, and Medicaid eligibility. Premium examples include $14.07 for a 52-year-old female and $23.26 for a 52-year-old male per $1,000 of coverage.