Term Life Insurance Quotes!

I plan to ask my insurance agent this too but his mother just died so will talk to him next week or 2. In the mean time I am evaluating the plan. I am getting a 0k Term policy for 20 years. It also includes a Critical Illness rider for k. Which brings up my question.
The Quote for Critital Illness rider states “… This rider gives the owner access to a portion of the death benefit if the insured is diagnosed with a life threatening….” Ok I understand what it covers but what I am not clear on is If I do come down with a Critical Illness does that mean that the k will be taking out of my 200k death benefit? Or is it an additional 50k on top of my 200k policy. I’m sorry for such a question where the answer seems obvious but just wanted to make sure I got this right.
Thanks,

Similar Posts:

• Critical Illness—Your Risk May Be Greater Than You Think
• BMO Life Insurance Company
• Accelerated Death Benefits on a Life Insurance Policy
• Empire Life – Critical Illness Policy – 10 Facts to Consider
• Whole Life Insurance – Easily Understood Whole Life Explanation