Accelerated death benefit
This rider pays 92 percent of the death benefit in a lump-sum if they provide evidence that their life expectancy is 24 months or less. Once the benefit is paid out, the policy will be terminated.

Unemployment provision
In CA, IN, MT, NJ, SC and VT: Waiver of Premium For Unemployment Rider
In the event of unemployment, monthly base premiums and riders are waived for one six-month period.

Residential damage rider
If a primary residence sustains $25,000 or more of damage, the monthly base premiums and rider premiums are waived for one six-month period.

Common carrier death benefit provision
If they should die in an accident while a fare-paying passenger on a common carrier (e.g., airplane, train, bus), this provision provides for an additional death benefit equal to 100 percent of the original face amount, or $250,000 whichever is less.

– Disability income coverage (not available on Return-of-Premium products)

– Dependent children’s coverage

– Disability waiver of premium

– Accidental death coverage