An enhanced death benefit is a policy or annuity feature that increases the amount payable at death beyond base values. In annuities, it may step up to the highest anniversary value or add a growth factor. In life insurance, riders can accelerate or multiply benefits under certain conditions. Enhanced benefits trade additional cost for greater beneficiary protection.

In annuity practice, clients add enhanced death benefits to protect beneficiaries from market dips. Advisors compare rider costs to potential uplift (e.g., step-ups or roll-ups) and confirm how claims are calculated. In life insurance, enhancements or accelerations are explained during suitability reviews so beneficiaries understand expected proceeds.