Accidental Death Benefit Rider (ADB)

The Accidental Death Benefit Rider offers an additional benefit in the case of an accidental death (as defined in the Rider) in the amount of the face amount of insurance as shown on the data page of the policy. There is an additional premium charged for this rider, which may be issued through age 60. The benefit is level and automatically terminates on the next anniversary date after an insured’s 69th birthday. The ADB is available on all policies of the company except the annuity.