You cannot specifically collect on a life insurance policy for a long term disability, but you can collect if you have a terminal illness.

Some life insurance policies provide accelerated death benefits which you can request and receive of you meet the requirements, which usually includes a terminal diagnosis and you are expected to die within 6 to 12 months.

Accelerated death benefits may allow you to access up to 25% or more of the death benefit from your life insurance polic...