Immediate Solution
- No exam or labs
- Automated underwriting with same-day approval possible
- Coverage can begin immediately
Riders
The following riders offer customizable protection and may have fees and/or require an additional premium:
Accelerated Death Benefit Riders
Accelerated Death Benefit Rider with Nursing Home Benefit (NHB)
Subject to state availability
This rider pays the face amount, less an interest discount, less any loans, less administrative charge, less any premiums that would be due in the next year upon diagnosis of a qualifying event or confinement in a qualified nursing home facility. This rider is not available if you need any assistance in performing daily living activities at the time of application.
Accelerated Death Benefit Rider (ADBR)
For Florida only
This rider pays the face amount, less an interest discount, less any loans, less any administrative charge, less any premiums that would be due in the next year upon diagnosis of a qualifying event. Eligibility requirements apply. Accelerated death benefits will be available when the insured has been diagnosed with a qualifying event, as described in the rider, while the policy and the rider are in force. Benefits advanced under this rider may be subject to taxation. Limitations and exclusions apply. Refer to the rider for complete details.
Terminal Illness Accelerated Death Benefit Rider (TIR)
For California only
Insured can accelerate up to 100% of the face amount, less an interest discount, less any loans, lessany administrative charge, less any premiums that would be due in the next year, if death is expected within 12 months receipt of a physician’s statement.
Accidental Death Benefit Rider (ADR)
Available only on the Immediate Solution for issue ages 18–70. This rider provides for payment of an amount in addition to the face amount of the policy in the event of accidental death resulting directly and independently of all other causes from an accident, as defined in the rider, subject to the definitions and exclusions set out in the rider. Death must occur within 90 days from the accidental bodily injury, while the policy is in force. The additional accidental death benefit amount is equal to the base face amount.
Children’s & Grandchildren’s Benefit Rider (CGR)
This rider provides level term insurance, with conversion feature, for the children/grandchildren named in the rider. Available only on the Immediate Solution for issue ages of parent/grandparent 18–75 and child/grandchild issue ages 15 days old to 18 years. The minimum death benefit is $1,000, the maximum death benefit is equal to the base face amount or $5,000, whichever is less. No more than nine covered children/grandchildren may be covered under this rider. The optional rider information above is a general description of how riders work. Refer to your policy and personalized hypothetical illustration for a complete explanation of the terms. Riders and benefits have specific limitations.
