Riders

Money Back Rider

The Money Back Rider provides a complete return of all premiums paid if the base plan to which it is attached is held until the end of the benefit term. If the base plan is surrendered prior to the end of the term, a pro-rated share of premiums will be returned.

This rider may be added to our Single and Joint Mortgage Redemption with Optional Return of Premium plans and is a feature included in our 20 and 30 Year Level Term with Return of Premiums plans. For Mortgage Redemption plans, this rider can only be added at time of issue. Issue ages and risk classes are the same as the base plan.