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LIFE INSURANCE PRODUCT

Riders Available with 2nd to Die Plans

Plan Name Description Issue Ages
2nd to Die Duogard Option to purchase life insurance on life of beneficiary at death of 2nd Insured to Die 20-80
Policy Split Option Included in policy automatically
Permits
 
Paid Up Additions Rider Flexible premium, payable annually only 20-90
Paid Up Insurance Rider Fixed premium, payable "modally" 20-90
One Year Term "Portfolio Q" "Target" term rider with face amount decreasing as paid-up additions increase 15-80
10 Year Death Waiver of Premium Waives Estate Guard premiums through 10th policy year 20-70
15 Year Death Waiver of Premium Waives Estate Guard premiums through 15th policy year 20-75
Split-Dollar Protector   20-75

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FOSTER KLIMA & COMPANY, LLC
Minneapolis: (612) 746-2200   /   Fargo: (701) 293-6379   /   Rochester: (507) 289-0999
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