Optional Riders

These riders can be added to a Whole Life Policy:

The following optional riders extend the flexibility of your WCU policy. Riders added to the 10 Pay Life Plans terminate at the end of the 10 years. Riders added to the 20 Pay Life Plans terminate at the end of the 20 years. Riders are not available with all plans. Each rider may not be available in all states.

Waiver of Premium

All premiums (including all riders, except the Paid-Up Additions Rider) are waived during a time of total disability beginning before age 60 and lasting at least six months. This waiver expires at age 60.

Accidental Death Benefit

In the event of accidental death, additional insurance protection is available. Issue ages 5 through 55. This waiver expires at age 70.

The Paid-up additions Rider

You have the opportunity to purchase additional permanent life insurance that requires no further premiums. The Paid-Up Additions Rider, available with a one-time payment at the time of the application gives you numerous advantages:

• Increase your insurance coverage
• Enhances cash accumulations on a tax-deferred basis

Click here to contact the Home office and we can help you locate a representative in your area.