This rider allows a policyowner to receive up to 50 percent of the policy death benefit within six months of expected death of the insured (subject to a $250,000 maximum). There is no premium charge for this rider. (Please note that this benefit is for terminal illness only. A critical illness or nursing home benefit is not available.) The owner must apply for this rider and request the benefit. An administrative charge of $300 and an actuarial discount are deducted from the benefit amount.

Children’s Insurance:

This rider provides level term insurance for each child. All children, including stepchildren and legally adopted children of the insured who are members of the insured’s household, at least 15 days old and under the age of 18 on the day of issue and who are named on the application are covered.

In addition, children who are born or legally adopted by the insured after the date of application are covered.

Issue amounts are 1 to 15 units of $1,000 each. The premium is $5 per unit. Issue ages (of the base insured) are 18-55.

Rider coverage expires on the earlier of the youngest child's 25th birthday or policy insured's age 65. The coverage for a child may be converted to a permanent plan of insurance without evidence of insurability at any time within 60 days before and 31 days after the coverage expires for an amount up to five times the amount of the coverage.

Waiver of Premium:

This rider waives the total premium in the event of and during total disability occurring prior to the policy anniversary nearest the insured’s 65th birthday. Total disability must exist for four months before any benefit is payable.

Issue ages are 18-59. It is available for substandard policies to Table D. Premiums are payable to the policy anniversary nearest the insured’s 65th birthday.

*No personal history of cardiovascular disease, diabetes, and/or cancer (excluding benign skin cancer).

*No use of tobacco or nicotine in any form within the last 36 months.

*No history of alcohol or drug abuse.

*No private aviation or other hazardous activity including scuba diving.

*No family history of diabetes or coronary artery disease resulting in death of a parent or sibling prior to age 65.

*No more than one moving violation in the past two years or two moving violations during the past three years. No history of a DWI/DUI during the past five years.

*Cholesterol level must be lower than 225 and the Cholesterol/HDL ratio must be lower than 5.0 at ages less than 45. Cholesterol level must be lower than 230 and the Cholesterol/HDL ratio must be lower than 5.5 at ages 45 and up.

*No treated hypertension (medication) within the past 12 months with a 12 month average of 140/90 or better for all ages.

Preferred Non-Tobacco User Criteria:
Standard risk with no extra mortality.

*No tobacco or nicotine within the past 24 months. A nicotine positive HOS will preclude preferred consideration. The occasional cigar user (using no more than one per week) may also be considered for preferred provided the urine specimen is negative for nicotine and they have not used cigarettes in the past 5 years, and meet all of the other "preferred" criteria.

*No family history of diabetes or coronary artery disease resulting in the death of a parent or sibling prior to age 60.

*No private aviation (pilot or crew member of regularly scheduled commercial airline does not preclude Preferred).

*No ratable hazardous avocations or occupations.

*No history of alcohol or drug abuse in the last 10 years.

*No more than one moving violation in the past year or more than two driving violations within the previous three years. No DUI/DWI or license suspension within the past five years.

*Must be a US or Canadian citizen or permanent resident. No travel to countries where there is a risk of exposure to terrorism. No travel to a Third World country on a regular basis.

*Blood pressure readings, treated and untreated, must average, for the past 12 months: 140/90 or better if less than age 65; 150/90 or better if age 65 or older

*Cholesterol level must be lower than 230 at ages 45 and below. Cholesterol level must be less than 245 at ages 45 and up.