The following riders are available with this product:
Waiver of Premium - If you are 18-55 years of age you may purchase a Waiver of Premium rider. With this rider, all premiums falling due after the date you become disabled will be waived and the waiver will last for as long as your disability continues. Disability, for this purpose, includes a total disability that continues for at least six months. Waiver of Premium only applies to disabilities that begin before the policy anniversary when you reach age 60.
Term Insurance Rider - You may purchase extra term insurance protection in addition to the Death Benefit provided by your policy for either 10 or 20-year periods. The additional coverage is purchased in the form of a rider to the policy. Coverage is equal to at least $25,000 and may be up to five times your policy's Face Amount. The rider is convertible, without evidence of insurability, to a new permanent plan of insurance. The amount of insurance under the conversion policy may be any amount up to the face amount of the rider, subject to our minimums then in effect. The conversion may occur at any time during the premium paying period, but no later than when you reach age 65.
Accidental Death Benefit - You may elect to purchase an Accidental Death Benefit rider up to 60 years of age. This rider provides for an additional fixed amount of death benefit in the event the insured dies from accidental bodily injury before the age of 70. The amount of the benefit is at least equal to the face amount of the policy, but cannot exceed an amount equal to $200,000 minus the sum of all your existing or applied for accidental death benefit coverage.
Spouse's Term Life Insurance Rider - You may purchase term life insurance for your spouse in the form of a rider to the policy. The Spouse Term Insurance Rider provides a death benefit of $25,000 and is offered on simplified issue underwriting basis. The spouse to be insured may not be 10 years older or younger than the Proposed Insured individual under the policy. The rider is convertible without evidence of insurability at the spouse's attained age within 60 days prior to either a premium increase, the expiration of coverage under the Rider or when the Insured attains age 65. If the Insured dies during the premium-paying period, the spouse's coverage continues as paid up term insurance, without any further premium due.
Children's Term Life Insurance Rider - You may purchase life insurance for your children. The Children's Term Insurance Rider allows you to buy between $5,000 and $15,000 for each qualified child you may have for one annual premium. Children born, adopted, etc. after the issue date of the policy are automatically insured as long as they are qualified under the terms of the rider. The rider is convertible, without evidence of insurability to an individual policy in the name of any Insured Child at the earlier of when they reach 25 years of age or the Insured attains age 65. If the Insured dies during the premium-paying period, any Insured Child's coverage continues as paid up term insurance to the child's age 25 without any further premium due.
Guaranteed Insurability Option Rider – You may purchase additional life insurance at specified future dates, without requiring additional proof of insurability. This rider offers the ability to purchase up to an additional $50,000 of coverage. The rider expires upon the insured reaching an attained age of 46 years of age. This available rider is optional and may be purchased at an additional cost. Additional terms and conditions apply. This rider is not available in NY.
On ISP Choice 15, you have the option to purchase a 10 year or 15 year Term Rider. On ISP Choice WL, you may purchase a 10 year, 15 year or a 20 year Term Rider. The term riders give you the option to purchase additional life insurance with coverage for the elected term period, and with an option to convert to permanent insurance without having to show evidence of insurability. The rider may be converted at any time during the premium payment period of the term rider, but no later than when the insured reaches the age of 65. Additional terms and conditions apply.