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. Disability Waiver of Premium is available for an additional cost and is not offered in CA.

3. Policy will remain in force as long as payments are made on time and within the Grace Period specified in the policy.

PP-WL-DL(1218)