Associated Benefits

Accidental Death Benefits:

Accidental Death Benefits are covered within the Death Benefit protection.

Benefits Related to the Basic Death Benefit:

If the basic death benefit is reduced other policy benefits will generally be reduced in proportion.

Guaranteed Insurability Rider:

The reduced guaranteed insurability options can be exercised after a company fails.

Disability Waiver:

The reduced disability waiver is continued as a separate benefit and not added to benefits coming under the Monthly Income protection.

Disability Income Riders:

The reduced disability income rider is protected under the Monthly Income protection and added to other benefits coming under that protection.

Term Conversions:

Where a term policy contains the right to convert to permanent life insurance, this right continues for the reduced amount.