Included benefits and child coverage.

Applies while benefits remain payable. Not available with the 90-day benefit-period option; source and certificate conditions apply.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Original rider benefit limits, eligibility and election requirements apply.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Waiting periods, disability definitions and benefit limits apply. For an on-the-job disability, the policy pays 50% of the monthly benefit when receiving workers’ compensation or other state disability benefits.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Premiums remain waived for as long as monthly benefits are paid, under the policy terms.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Covers the stated basal-cell and squamous-cell diagnoses; no payment within 365 days of a prior payment. Malignant melanoma and the listed pre-cancerous and other excluded conditions are not covered by this rider.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage. Limited-benefit supplemental insurance, not major medical insurance or a Medicare supplement.

Once per covered person per calendar year for one of the 24 listed wellness services or tests. The source list and policy conditions govern.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage. Limited-benefit supplemental insurance, not major medical insurance or a Medicare supplement.

Requires 90 consecutive days of disability due to a critical illness or specified disease; employee only, subject to policy terms.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage. Limited-benefit supplemental insurance, not major medical insurance or a Medicare supplement.

A physician must diagnose terminal illness. The payment is discounted using the current discount rate; premiums are waived after payment. This is an advance of the death benefit. Prices shown are the 2021 Term to 100 biweekly rates.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Printed rider issue ages 18-55. Not available on certificate coverage purchased for a child. Policy accident definitions, limitations and state terms apply. Prices shown are the 2021 Term to 100 biweekly rates.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Printed in policy; carrier/state/issue eligibility still applies Employee issue ages 18-65 for adding this rider; child term to age 25 as printed. Prices shown are the 2021 biweekly rates.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Requires permanent inability to perform at least two of six daily activities without substantial assistance, or permanent severe cognitive impairment requiring substantial supervision. This advances the death benefit; unavailable on children.

For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Unavailable after age 60 and unavailable on children. Policy definitions and conditions apply.

For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Requires a life expectancy of less than 12 months under the printed conditions. This advances coverage; the original certificate terms and first-year illness-death limitation remain.

For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Child coverage attaches to employee coverage. Better Living and Waiver of Premium are unavailable on children.

For illness or disease death within 12 months of coverage commencement, the brochure provides a return of premiums instead of the death benefit. Previously unknown or undiagnosed disease is included. Accident deaths are not affected by this stated limitation. Original certificate terms apply.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Requires permanent inability to perform at least two of six daily activities without substantial assistance, or permanent severe cognitive impairment requiring substantial supervision. Unavailable at ages 66–70 and on children. This advances the death benefit.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

The percentage is 25% in Connecticut and Michigan. Life expectancy must be less than 12 months, or 24 months in Illinois. This advances coverage; policy terms apply.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

The stated mailing period is within one business day of notification; death within the two-year contestability period or under investigation is excluded from this expedited provision. This is part of the death benefit, not an additional payout.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

Financially dependent children of the employee or spouse, 14 days-19 years, 26 if full-time student

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.

The terminal-illness provision requires diagnosis before age 64 with likely death within 12 months. Alternatively, the brochure covers permanent confinement in a hospital, nursing home, extended-care or hospice facility until death. Policy terms apply.

The listed Ohio federal brochure describes flexible-premium adjustable permanent life. It also warns that scheduled premiums may be insufficient to maintain enough account value to keep the policy in force. Coverage depends on sufficient account value and the terms of the policy issued by the named insurer.

Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.