Walter Fanning is insured under a life insurance policy that grants him the right to receive a portion of the policy's death benefit while he is still living if he suffers from a terminal illness and has a physician-certified life expectancy of 12 months or less. This information indicates that Mr. Fanning's policy includes the type of supplemental benefit known as a

terminal illness (TI) benefit

guaranteed insurability (GI) benefit

long-term care (LTC) insurance benefit

dread disease (DD) benefit