What is the minimum percentage of the original death benefit the beneficiary will receive if the insured has received accelerated death benefits?

When an insured individual receives accelerated death benefits from their life insurance policy, it allows them to access a portion of their death benefit while they are still alive, typically due to a terminal illness or other qualifying condition. This means that the amount taken as accelerated benefits is deducted from the total death benefit that will ultimately be paid out to the beneficiary upon the insured's passing.

In scenarios where the insured has utilized accelerated death benefits, it is possible that the remaining death benefit could be reduced significantly. There are situations where the total amount of accelerated benefits can exceed the death benefit itself. In such cases, the insurance policy may state that the beneficiary receives nothing upon the insured's death if the amount drawn from the accelerated benefits leaves no residual death benefit, thus resulting in a payment of zero to the beneficiary.

Understanding this context clarifies why the minimum percentage the beneficiary could receive, in the situation where accelerated benefits have reduced the death benefit to zero, would be 0%.