IMPORTANT RIDERS THAT INCREASE COVERAGE
Spousal Bonus Rider
Included at no additional cost is a first-to-die rider that pays an additional $1,000 on the first death if both spouses apply for a policy at the same time. A minimum of $10,000 of Face Amount must be applied for on each person to qualify for this rider that is available on both plans. The death can’t be during the graded period on the Guaranteed Assurance plan, and both policies must be in force at the time of the first death.
Accelerated Death Benefit Rider
Also included at no charge on the Assurance Plus plan is the Accelerated Death Benefit Rider. This rider pays the present value of the death benefit if your clients are diagnosed with a terminal illness and have an expectation of less than 12 months to live, or if they are diagnosed as needing assistance with two Activities of Daily Living. The Accelerated Death Benefit Rider can be used for any purpose.
Dependent Child and Grandchild Rider
For only $1 a month we will pay $2,500 on the first death of a dependent child or grandchild.
*Assurance Plus underwritten policies will have a death benefit of 120% of any original face amount when all health questions are answered “no."
^$1,000 Extra death benefit is available if both spouses apply for a policy at the same time and have at least $10,000 Face Amount.