Riders

Disability Credit of Premium

(Only available for Ultra Flex-Life policies) In the event the insured becomes totally disabled, this rider provides for the payment of the monthly disability credit of premium benefit prior to the policy anniversary nearest the insured's 60th birthday. The monthly disability credit of premium benefit will begin to be credited after 6 months of continuous total disability. This rider is only available at the time of issue and is limited to the monthly equivalent of the planned periodic premium payment.