Return of Premium- This rider allows you to receive all of your premiums paid into the policy back to you at the end of the term, TAX FREE. If you don't make any claims on the policy for the entire term 15, 20, 25, 30 years, then you get all of your money back.
Death Benefit-In the event of an untimely death your family (Beneficiary) would receive a lump sum pay out which could be used to pay off a mortgage, send a child to college or as a financial tool that could secure your family's (Beneficiary's) lifestyle.
Critical illness-In the event of an unforeseen illness such as a stroke, heart attack or becoming clinically blind, you can receive a portion of your death benefit which is a direct benefit to the insured (you) that can be used in any way you choose.
Guaranteed Level Premium-Your premium is guaranteed to remain the same for the entire term of the policy. And your face amount will not decrease, the face amount will also remain the same throughout the entire term of your policy with us.
Disability-In the event of an unexpected accident that disables you from work, you may add a disability rider to your term insurance policy to ensure your family's quality of living while you regain your health.