LSW has nice living benefits as well on their life products. After a recent critical illness claim a client of mine submitted, truly I am paying MUCH more attention to this feature. I was blown away by the benefit. The stats show, many folks will have a critical illness at some point that they DON'T die from, so...yes, I believe its a great feature and selling point.
LSW and ANICO seem to be two good options, and they offer it on term as well. I wish more carriers had critical, and and particularly some of the better Mutuals. Many of them have chronic and terminal, but critical (imo
) is likely to be the one that will be needed more often than the others. I know its a bigger risk which is why many carriers aren't going there.