Waiver of Premium Rider This enhancement waives the premium if the primary insured becomes totally disabled, as defined in the rider, for at least six consecutive months. Premiums are waived for the base policy and any attached riders. The issue age ranges from 17 to 60. The rider terminates on the policy anniversary following age 65. Accidental Death and Dismemberment Rider This enhancement provides a benefit upon death, dismemberment, or paralysis of the base insured before age 70 if such death, dismemberment, or paralysis results from accidental causes, as defined by and subject to the conditions stated in the rider. This rider also provides an additional seat belt benefit of 10% of the accidental death benefit, subject to the conditions stated in the rider. The dismemberment and paralysis benefits are payable once per accident and will reduce the accidental death benefit, if payable. Children’s Term Rider This enhancement provides term life insurance protection for all eligible children between the ages of one month through 19 years (in MI and PA, 17 years; MA and WA, 14 years). Three benefit levels are available: $10,000, $20,000, and $30,000 ($15,000 in WA). One premium covers all eligible children. Coverage remains on each child until age 26 or the child’s marriage before age 26. Your covered child may also convert this rider for up to five times the amount of coverage (subject to a $100,000 limit) to any form of permanent insurance offered by American Fidelity. Accelerated Benefit Rider for Long Term Illness This enhancement provides for two equal annual advances of a portion of the base policy’s death benefit over two consecutive years due to a Long Term Illness if we receive satisfactory proof of Long Term Illness before each annual payment. Coverage is available on the base insured only. See the following page for more details. Accelerated Benefit Rider for Critical Illness This enhancement provides for an advance of a portion of the base policy’s death benefit due to a Critical Illness. A Critical Illness is a Heart Attack, Permanent Damage Due to Stroke, Invasive Cancer, Major Organ Failure, or End Stage Renal Disease, as defined in the policy. The rider offers only one acceleration for one of the Critical Illnesses shown. The rider terminates upon acceleration. See the following page for more details. All Benefits: We will not pay the policy proceeds if the insured commits suicide during the period of time stated in the insured’s policy from the effective date. Instead, we will return all premiums paid. Accelerated Benefit for Terminal Condition/Long Term Illness/ Critical Illness: We will not pay a benefit for any condition directly or indirectly resulting from or caused by intentionally self-inflicted injuries. Waiver of Premium Rider: Waiver of premium is not available if the total disability results directly or indirectly from (a) war or any act caused by war while in military service, (b) any attempt at suicide or intentionally self-inflicted injury, (c) active participation in a riot or insurrection, (d) voluntarily taking any drug (unless physician-administered and taken according to instructions), or voluntarily taking any kind of poison or inhaling any kind of gas or fumes, unless a direct result of an occupational accident, or (e) committing or attempting to commit a felony. Accidental Death and Dismemberment Rider: No benefit is payable if death results directly or indirectly from (a) war or any act caused by war while in military service, (b) any attempt at suicide or intentionally self-inflicted injury, (c) active participation in a riot or insurrection, (d) voluntarily taking any drug (unless physician-administered and taken according to instructions), or voluntarily taking any kind of poison or inhaling any kind of gas or fumes, unless a direct result of an occupational accident, (e) committing or attempting to commit a felony, (f) disease or infirmity of mind or body, or medical or surgical treatment for such disease or infirmity, or (g) infection not occurring as a direct result or consequence of the accidental bodily injury. This brochure does not constitute the full policy and is intended to provide basic information about American Fidelity’s Term 100 Life Insurance product, ICC24 ITL7001/ITL7001 series. For specific details, limitations and exclusions, please consult a complete policy, riders, and its provisions. Please consult your tax advisor for your specific situation. This policy is not eligible under Section 125. Third-Party Notice: The owner has the right to designate a third party to receive notice of lapse or termination of an individual life insurance policy due to nonpayment of premium. Such notice will be sent to the policy owner and the third party at least 30 calendar days before cancellation. This designation may be done at this time or at any time the policy is in force. Please contact us to request a form to designate, change, or update this information later. M3437.R118 For Illinois Applicants: We will treat a party to a civil union and a spouse in a marriage equally in our policies that are governed by your state. We will include a party to a civil union in any definition or use of the terms “spouse,” “family,” “immediate family,” “dependent,” “next of kin,” and any other terms descriptive of spousal relationships in our policies. Any policies providing coverage for children will extend eligibility for coverage to children of civil unions. DN88.R0916 MARYLAND DISCLAIMER: A PERSON WHO FELONIOUSLY AND INTENTIONALLY KILLS, CONSPIRES TO KILL, OR PROCURES THE KILLING OF THE INSURED AND WHO IS A NAMED BENEFICIARY OF A LIFE INSURANCE POLICY ON THE INSURED IS NOT ENTITLED TO A BENEFIT UNDER THE POLICY. DN137 Enhance Your Plan