Can USD denominated life insurance have additional benefits linked like disability or severe illness pay out features?

Yes, it depends from product to product but insurance contracts typically have various optional benefits that can be elected. It will influence the price of insurance and typically critical or sever illness benefits can be quite expensive even if the person being insured is a healthy individual. 

The biggest distinction to be aware of though is whether the policy is a term insurance contract or whole of life insurance contract.  

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