Waiver of Specified Premium Design: Provides payment of a specified premium to be credited to the policy as premiums paid during continued covered disability of the insured after the total disability has continued for six consecutive months while the policy and this rider are in force. On any monthly date during continued covered disability, the benefit that is paid may be more or less than the cost of insurance and other charges. The cash surrender value may increase or decrease. Additional premium payments may be required to keep the policy in force. If the disability occurs before age 60, we will credit specified premium during the entire disability while the policy remains in force. If the disability occurs on or after age 60, but before age 65, premium will be credited to the policy while the disability continues until the policy anniversary nearest the insured’s 65th birthday. Definition of Total Disability: During the first 24 months of total disability, the insured is unable to perform any of the substantial and material duties of his or her occupation for wage or profit, due to sickness or accidental bodily injury. Being a homemaker or student is considered engaging in work for wage or profit. After the first 24 months of total disability, the insured is unable to perform any of the substantial and material duties of his or her occupation for wage or profit, or any other occupation for which he or she becomes reasonably suited by education, training or experience, due to sickness or accidental bodily injury. Being a homemaker or student is considered engaging in work for wage or profit. Total disability also includes the total and permanent loss of sight, hearing, speech or the use of limbs. Issue Ages: 20-55. Substandard Rating: The rider may be added to a policy that is rated Table 1 to 10. Cost: Based on the insured’s age, sex and underwriting classification. Termination: This rider will terminate at the earliest of when the policy terminates, on the expiration date shown on the policy schedule or the date we receive written notice from the owner requesting termination of this rider. Termination will not affect an eligible claim for total disability that occurred before age 65. Reinstatement: The rider may be reinstated upon reinstatement of the policy. Available After Issue: Yes.
Ethos Perks Design: Ethos’ signature online estate planning tools. Issue Ages: 20-65. Allowed with: Guideline Premium and CVAT policies.
Benefit provided by this rider: Provides access to certain benefits, referred to as Perks which may include goods, services, online subscriptions, mobile applications, tools, gift cards and other programs which are developed to help clients manage health, wellness, financial or life insurance needs. Participation in any or all perks are optional. Ethos may enroll the client in certain services, but the client is free to opt out at any time. Conditions: • These Perks are provided at no cost to the client. • Perks may be available through third party vendors. As such, these Perks are subject to the Vendor’s terms, conditions, privacy policies and other applicable rules and disclosures. • Clients may be offered the option to participate in additional services or features that are not part of Perks. Participation in these additional services or features are at the discretion of the client who may incur costs as determined by the third party provider. These are not a part of the Perks program.
For financial professional use only. Not for use with clients.
IUL-AG-0723
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