Waiver of Premium Rider (WP)* – Each premium payment which falls due while the insured is totally disabled will be waived. WP rates change when the policy’s premium changes. The rider terminates on the policy anniversary nearest the insured’s 60th birthday.

Issue Ages:
10/15/20- year term……15–55
30-year term…………...15–50

Children’s Insurance Rider (CIR)* – CIR provides term life insurance for each dependent child ages 15 days – 23 years. Up to $10,000 coverage may be purchased in $1,000 increments. Coverage on a dependent child terminates on the earlier of the child’s 25th birthday or the policy anniversary nearest the insured’s 65th birthday. CIR rate - $5.50 per $1,000 coverage.

Issue Ages:
10/15/20- year term……18–55
30-year term……… …..18–50

When both Waiver of Premium and CIR riders are in force, an additional charge is added to the CIR rate. The additional charge is determined by the insured’s age nearest birthday, as depicted below. See note below.

Ages       Added annual charge (per $1,000 coverage)
18–29                      .06
30–39                      .11
40–49                      .18
50–55                      .27