Customize your Life - Permanent Life Insurance Riders

In addition to our one-of-a-kind Wellness for Life® Rider we offer other optional life insurance riders as an addition to your life insurance policy. They provide different options and benefits that allow you to customize your policy to your life.

Accelerated Access Rider
Allows insured to accelerate a portion of their life insurance death benefit in the event they are diagnosed with a chronic or critical illness that meets certain eligibility requirements. This rider has no cost until benefits are received.

Overloan Protection Rider*
Prevents the policy from lapsing (being discontinued) due to excessive policy loans. There is no initial cost for the rider. A one-time charge is assessed if it is used.

Primary Insured Rider
Provides additional level death benefit protection for the primary insured.

Additional Insured Rider
Provides death benefit coverage on the lives of up to three family members without having to purchase separate policies.

Children's Insurance Rider
Provides coverage on the life of any child (between the ages of 15 days and 17 years) of the base insured until the child’s age 25. The rider can be converted to a permanent policy for up to five times the rider face amount.

Accidental Death Benefit Rider
Adds coverage should the insured die from an accident.

Terminal Illness Accelerated Death Benefit Rider
Speeds up the time in which benefits are paid should you become terminally ill. A portion of the policy proceeds normally paid at death is paid to you while you are living provided your life expectancy is 12 months or less.

Return of Premium Rider**
This rider provides a death benefit equal to the face amount plus the premiums less any withdrawals, accumulated with interest. A fixed interest growth rate, from 0 to 4 percent, can be selected. (For Index Universal Life policies, this rider is only available on Lifetime Builder ELITE and Survivorship Builder.)

Waiver of Monthly Deductions Rider
All monthly deductions (for base policy, riders and policy charges) are waived should insured become totally disabled for at least 6 months before age 65.

Waiver of Premium Rider
The monthly premium specified under the rider is credited to the policy if clients become totally disabled for at least 6 months before age 65.

Additional riders available

  • - Waiver of Surrender Charge Due to Confinement Rider
  • - Guaranteed Purchase Option Rider

Additional riders available only on Index Universal Life's Survivorship Builder

  • - First to Die Rider
  • - Estate Protection Rider
  • - Survivor Insured Rider
  • - Policy Split Option Rider