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Optional Coverage Enhancements

The following chart illustrates which policies are eligible for coverage enhancements:

Overview of Optional Coverage Enhancements

Accidental Death Benefit

Your beneficiary would receive a $250,000 benefit payment in the event your death is caused by accidental means. Ask your advisor for further information on this coverage.

Child Critical Illness Benefit

This rider provides $10,000 or $20,000 of coverage in the event your child is diagnosed with a covered critical illness condition before the age of 21 (25 if they are a full-time student). Ask your advisor for further information on this coverage.

Children Protection Benefit

This rider provides $10,000 or $20,000 of life insurance coverage for all your children who are less than 21 (25 if they are a full-time student). Ask your advisor for further information on this coverage.

Critical Illness Rider

This rider provides $50,000 coverage if you are diagnosed with one of the specifically defined 25 critical illness conditions and $5,000 coverage if you are diagnosed with one of the 4 early diagnosed conditions. Please ask your advisor for further information on this coverage.

Mortgage Protection Benefit

This rider will take over your mortgage payments (up to $3,000) while you are totally disabled. Please ask your advisor for further information about this valuable coverage.

Return of Premium on Death Benefit

The premiums paid under the Critical Illness policy and this rider are returned to the beneficiary if no claim for critical illness benefit (except for early diagnosed benefit) was made under the policy. Talk to your insurance advisor for additional information.

Waiver of Premium Benefit

The rider would provide payment of all premiums due (including those for benefit riders) in the event you suffer a total disability. Ask your advisor for further information on this coverage.