| or requring continuous
confinement) or severe illnesses (i.e. heart
attack, stroke, cancer, renal failure, major organ transplant, ALS,
blindness in both eyes). Restrictions, definitions and linitation will
vary between policies. Payment of Accelerated Benefits will reduce the
Cash Value and Death Benefit otherwise payable under the policy.
Receipt of Accelerated Benefits may be a taxable event and may affect
your eligibility for public assistance programs. Please consult your
personal tax advisor to determine the tax status of any benefits paid
under this rider and with social service agencies concerning how
receipt of such a payment will affect you. Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Riders are optional, may require additional premium and may not be available in all states or on all products. This is not a solicitation of any specific insurance policy. |