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• Accidental Death Benefit – pays an additional benefit if the insured person dies in an accident

• Guaranteed Insurability Option – ensures your ability to buy additional coverage in the future if you need it

• Term Insurance – coverage for temporary insurance needs, such as covering a mortgage

• Total Disability Waiver – if the insured is totally disabled for at least six months, we will waive all premiums for insurance and rider coverages.

• Child Protection Rider – provides $10,000 of insurance for children specified in the application (subject to underwriting approval).

• Business Value Protector Rider – allows the business owner to purchase new insurance, without having to submit evidence of continued good health, based on the increased value of the business.