Riders

No Policy Fee Mortgage Redemption Policy

This policy provides a death benefit that equals the unpaid balance of a mortgage on loan anniversaries where the initial amount of insurance, amortization rate and term period are the same as the mortgage. A Mortgage Redemption Policy may be issued without a policy fee when sold in conjunction with an Ultra Flex-Life policy, CIT policy, or MCIT policy with a specified amount of at least $25,000. The mortgage redemption policies issued may cover the base policy insured or another qualified person.