| Plan Name |
Description |
Issue Ages |
| Waiver of Premium |
Premiums will be waived after a 6-month waiting period, as long as the insured remains disabled; During the first 5 years of disability, total disability means that the insured is unable to perform duties of the insured's regular occupation; After 5 years, the insured must be unable to perform duties of any occupation up to age 65; If total disability begins on or after age 60, premiums will be waived the later of age 65 or for two years |
15-55 or
56-64 as a result of a Term Conversion |
| Accidental Death Benefit |
If death results from accidental bodilu injury and occurs within 120 days of the accident, Guardian will pay the amount of accidental death benefit specified in the policy |
5-65 |
| Enhanced Guaranteed Insurability Option |
Policyholder can increase coverage, at the same rating class on several specific dates, without evidence of insurability; Several life events allows options to be exercised early; Options are each equal to lesser of policy face amount or $250,000 |
0-43 |
| Enhanced Accelerated Benefit |
Allows a client with Whole Life insurance who has become permanently chronically or terminally ill to access a portion of the policy's death benefit to help pay expenses or enhance the quality of life; No premium charge for the rider, but it can only be selected during the initial underwriting on $100,000+ plans |
0-75 |
| Enhanced Paid Up Additions Rider |
Enables policyholders to purchase additional paid-up insurance with flexible payment option and at favorable rates to enhance the policy values; Ability to schedule specified payments, make unscheduled payments at a minimum of $100 per year or $10 per month (if scheduled); EPUA payments may be waived under an optional disability waiver |
Same as base policy |
| One Year Term "Dividend Option Q" |
Enables policyholders to increase the amount of total insurance protection with a specified non-guaranteed amount of additional insurance, or target benefit |
15-80 |
| Duoguard |
Allows beneficiary to purchase new life insurance after the death of the first insured, covering a life designated when the original policy was issued, without evidence of insurability |
20-80 |
| Exchange of Insureds |
Included in all corporate owned policies; Change of insured at original age with evidence of insurability |
20-65 |
