Enhance Your Plan Waiver of Premium Rider Children’s Term Rider This rider waives the premium if the base insured becomes This rider provides Term Life Insurance protection totally disabled, as defined in the rider, for at least six for all eligible children between the ages of one consecutive months. Premiums are waived for the base month through 19 (in MI and PA, age 17; MA and WA, policy and any attached riders. The issue age is 17-60. The age 14). Three benefit levels are available: $10,000, rider terminates at age 65. $20,000, and $30,000 ($15,000 in WA). Coverage remains on each child until age 26 or the child’s Accidental Death and Dismemberment Rider marriage before age 26. Your covered child may also convert this rider for up to five times the amount of This rider provides coverage upon death, dismemberment, coverage (subject to a $100,000 limit) to any form of or paralysis of the base insured before age 70 if such death, permanent insurance offered by American Fidelity. dismemberment, or paralysis results from accidental One premium covers all eligible children. causes, as defined in the rider. This rider also provides an additional 10% seat belt benefit if the police accident report certifies the base insured was wearing a properly fastened seat belt at the time of death. Benefits are payable once per covered accident. Accelerated Benefit Rider Spouse Term Rider for Long Term Illness (Available with 30-Year Term Life Only) This rider provides Term Life Insurance coverage for This rider provides for two equal advances of a your spouse. The premiums for this rider are based on portion of the base policy’s death benefit due to the spouse’s age and tobacco usage. Coverage may be a Long Term Illness if we receive satisfactory proof renewed for each additional renewal period up to the of Long Term Illness before each annual payment. spouse’s age of 90 while the base policy is active. Premiums Coverage is available on the base insured only. are guaranteed to remain the same during the initial term 7 period. Premiums adjust upon renewal. The face amount must be equal to or less than the base policy. Social Security numbers are required at the time of application for spouses and dependents. Additional riders are subject to our general underwriting criteria, and coverage is not guaranteed. Rider availability may vary by state. 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 at a later date. 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