Plan Ahead with Universal Life Insurance

This coverage is available either on the spouse of the insured or another person, and provides level term insurance to age 95 for the amount of the rider. This rider is not available on policies with the Flexible Care Benefit Rider.

Provides temporary insurance for eligible children up to the earlier of age 25 or until you turn 65. Just one rider can provide up to $20,000 in coverage for each eligible child in your family. You can purchase up to five times the amount of Children's Term Rider coverage on the eligible child's 18th birthday and the rider can be converted to permanent insurance for up to five times the amount of coverage when the child turns 25.

Insure your insurability! Buy additional amounts of insurance, on specific option dates, without a medical exam, at standard rates. When you marry or become a parent, you may exercise the next available option. The Waiver Of Premium For Disability Rider must be included on the policy to add this rider. Option ages are 17, 22, 25, 28, 31, 34, 37, 40, 43, 46, and 49.

Helps preserve your policy at a time when income may be limited due to a disability. If the base insured becomes totally disabled for six continuous months, as defined in the policy, prior to age 60, this coverage will waive future monthly deductions as long as the insured continues to be totally disabled. If the base insured becomes disabled between the ages 60 and 65, this coverage will waive monthly deductions to the later of the third policy anniversary after total disability, and the anniversary when the insured is age 65.

Suppose you couldn't care for yourself. What if you could tap into your life insurance to pay for the care you need? This rider provides the insured the ability to accelerate a portion of the policy's death benefit each month and waives monthly deductions while the insured is chronically ill and receiving qualified long-term care services, subject to a 90-day elimination period.

Learn more about Flexible Care Benefit Rider