Enhance Your Plan Waiver of Premium Rider Accelerated Benefit Rider This rider waives the premium if the base insured becomes for Long Term Illness totally disabled, as defined in the rider, for at least six consecutive months. Premiums are waived for the base policy This rider provides for two equal advances of a portion and any attached riders. The issue age is 17-60. The rider of the base policy’s death benefit due to a Long Term terminates at age 65. Illness if we receive satisfactory proof of Long Term Illness before each annual payment. Coverage is available on the base insured only. Accidental Death and Dismemberment Rider This rider provides coverage upon death, dismemberment, or paralysis of the base insured before age 70 if such death, dismemberment, or paralysis results from accidental causes, as defined in the rider. This rider also provides an additional 10% Accelerated Benefit Rider for seatbelt benefit if the police accident report certifies the base Critical Illness insured was wearing a properly fastened seatbelt at the time of death. Benefits are payable once per covered accident. This rider provides for an advance of a portion of the base policy’s death benefit due to a Critical Illness, defined as a Heart Attack, Permanent Damage Due Children’s Term Rider to Stroke, Invasive Cancer, Major Organ Failure, or This rider provides Term Life Insurance protection for all eligible End Stage Renal Disease. The rider provides only one children between the ages of one month through 19 (in MI acceleration for one of the Critical Illnesses shown. The and PA, age 17; MA and WA, age 14). Three benefit levels are rider terminates upon acceleration. available: $10,000, $20,000, and $30,000 ($15,000 in WA). 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. One premium covers all eligible children. 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