The following Supplementary Benefit Options or Certificate Riders are currently available. These options may not be available on every Life Insurance plan that we offer. For pricing or additional information, please contact us or an available agent in your area.

	Accidental Death Benefit (ADB)
	Waiver of Premium (WP)
	Guaranteed Insurability Option (GIO)
	Juvenile Payor Death or Disability (JPB)
	Return of Premium (RP)

Accidental Death Benefit (ADB): This option provides for the payment of the face amount of the certificate (maximum of $100,000), in addition to the amount otherwise payable if the insured’s death results solely from injury caused by accidental bodily injuries and occurs within 90 days after the accident.  The benefit expires on the certificate anniversary nearest age 65 or at the prior termination of the certificate. This option can be added to all permanent insurance policies, Annual and 5 Year Renewable Term policies only. Option issued from ages 10-55.

Waiver of Premium (WP): This rider provides that if the insured becomes totally and permanently disabled, then future certificate premium will be waived provided that the following provisions are met:

That the disability occurs between ages 16 and the certificate anniversary nearest age 60 while the rider is in force; and

That the disability is total and continuous for six months before a claim can be filed, except for the loss of sight of  both eyes, or the use of both hands or both feet or one hand and foot; and

   That the disability is a result of disease or bodily injury, and is incapable of engaging in any occupation for which the insured has been trained, and is under the care of a licensed physician.

The Union may require the insured at any time or times to furnish due proof of continuance of such total disability and to submit to examination by a physician or physicians designated by it. Such examination shall not be required more than once a year after total disability has continued for 2 years.

This rider can be added to all permanent insurance plans (except Single Premium), ages 0 to 55, all Level Term plans ages 16 to 55, all Decreasing Term plans (except Joint Term Life plan), or riders ages 16 to appropriate maximum age depending upon term duration.

Guaranteed Insurability Option (GIO): This rider provides the insured an option to purchase a specified amount of additional insurance on specified future dates, at standard rates and without evidence of insurability, on any Permanent Insurance Plan being issued by the Union. The sum insured of the new certificate must be at least the minimum we write for that plan.

Regular Option Dates are the certificate anniversaries of the basic certificate which are nearest the birthdays at ages 25, 28, 31, 34, 37, and 40.

Alternate Option Dates are also available: Date of marriage, date of first live child or date of first legally adopted child. If an Alternate option date is exercised then the NEXT Regular scheduled option date is automatically bypassed.

The sum insured of the new certificate (exercised option) should be the lesser of: The sum insured on the basic certificate, or the amount in table below – but in no case less than $2,000.

	Issued Age of Original Certificate	Number of Options	Maximum Per Option
	0 - 24	6	$10,000
	25 - 27	5	$15,000
	28 - 30	4	$20,000
	31 - 33	3	$25,000
	34 - 36	2	$25,000
	37	1	$25,000

This rider is available with any permanent insurance plan except the Single Premium. Issue Ages are 0 to 37.

Juvenile Payor Death or Disability (JPB): This rider provides the waiver of premiums on a Juvenile certificate upon the Applicant’s death or total and permanent disability provided that the following provisions are met:

 Applicant’s death occurs prior to insured’s certificate anniversary’s 25^th birthday while certificate was in force; or

 Applicant’s total and permanent disability prior to insured’s certificate anniversary’s 25^th birthday or earlier before certificate anniversary nearest Applicant’s 60^th birthday; and

That the disability is total and continuous for six months before a claim can be filed, except for the loss of sight of both eyes, or the use of both hands or both feet or one hand and one foot; and

   That the disability is a result of disease or bodily injury, and is incapable of engaging in any occupation for which the insured has been trained, and is under the care of a licensed physician.

The Union may require the insured at any time or times to furnish due proof of continuance of such total disability and to submit to examination by physician or physicians designated by it. Such examination shall not be required more than once a year after total disability has continued for 2 years.