Riders

Children's Term Rider

Provides level term coverage on each child of the insured. Coverage begins for each child at age 7 days and ends when a child reaches age 23 or the insured reaches age 65. A child must not have attained age 18 for coverage to become effective. All subsequent children after the policy issue are automatically covered. A unit of coverage provides $1,000 death benefit on each child. A minimum of 2 units and a maximum of 10 units may be purchased. When their coverage ends, each child may convert to a level premium permanent policy for an amount not to exceed five times the amount of insurance on the child under this rider.