Most plans require Medical exams over $150,000 death benefit.
Riders Available Include but not limited to the following:
Return of Premium - repays owner all premiums paid
Accelerated Death Benefit* - advances a portion of eligible proceeds prior to the covered
person's death due to a Terminal Illness.
Accidental Disability Income** - May provide a monthly income if the Insured is totally disabled
from an accident.
Accidental Death Benefit - provides additional death benefit if death is a result of an accident.
Children's Term - provides level term life protection for eligilbe children.
Waiver of Premium - waives the premium if the primary insured becomes totally disabled for
at least 6 months.
Paid-up Addition - provides Guaranteed Paid Up insurance coverage up to the age 95 for insuranced
purchased on a single premium.
* Included at no additional premium charge
** Has Excluded occupations for Rider
