These are special policy provisions that can be added to a standard whole life, term life or endowment insurance contract to expand the standard benefits of the particular policy.

Waiver of Premium Rider In the event that the life insured becomes totally disabled for a period of six (6) months, the insurance policy will remain in force and the company waives premium payment during the disability Subject to special conditions and exclusions Double Indemnity Rider Doubles the face amount of the life insurance policy, if the life insured dies as a result of an accident Subject to special conditions and exclusions Accidental Death & Dismemberment Doubles the face amount of the life insurance policy, if the life insured dies as a result of an accident Pays a percentage of the sum insured in the event of dismemberment of limbs, joints, eyes, etc Subject to special conditions and exclusions Hospital Indemnity A daily benefit is payable after three (3) days of hospital confinement Subject to special conditions and exclusions