Riders to Enhance Flexibility

Accidental Death Benefit
A rider providing for the payment of an additional death benefit if the insured's death occurs by accidental means, as defined in the rider.

Accelerated Benefits Rider
This rider permits the policyowner to access a portion of the life insurance proceeds during the insured's life should the insured suffer from a terminal illness.

Disability Waiver of Premium
A rider that can be added to most life insurance policies that exempts the policyowner from paying premiums after the insured has been disabled for a specified period of time.

Guaranteed Insurability Rider
A rider that gives the policyowner the contractual right to acquire additional insurance at specified times in the future, without evidence of insurability.

Insurance Exchange Rider
A rider that allows the policyowner to exchange the original policy for a policy insuring another life, subject to evidence of insurability at the time of the exchange. This rider is primarily used in business situations. For example, a corporation that owns a series of policies on key executives' lives may wish to switch insureds in the event one or more of the executives terminates employment or retires.