1. The ADB Rider is subject to a minimum of $10,000 and is included with the issued policy. There is no additional premium cost. The Rider benefits allow for the insured, if diagnosed with a terminal illness with a life expectancy of 12 months or less, to request a portion of the death benefit while still living. For applicants in California: "This is a life insurance benefit that also gives you the option to accelerate some or all of the death benefit in the event that you meet the criteria for a qualifying event described in the policy. This policy or certificate does not provide long-term care insurance subject to California long-term care insurance law. This policy or certificate is not a California Partnership for Long-Term Care program policy. This policy or certificate is not a Medicare supplement (policy or certificate). Receipt of accelerated death benefits may be taxable."

2. Policy will remain in force, premiums are guaranteed not to increase, and the death benefit and cash value are guaranteed as long as premiums are paid on time and within the Grace Period specified in the policy. The cash value and death benefit will be reduced by any outstanding policy loans. The policy loan interest rate is 8%.

3. Gerber Life will search databases for prescription history, motor vehicle records and medical information in order to provide an almost instant decision (within a minute) for most of the digital and telephone applications submitted during normal business hours.

PP-WL-DL(1224)