Important Notice PAGEREF _Toc17986719 \h 2
Accelerated Benefits Rider (Not available in CA) 5
Accident Only Disability Income Rider (Not available in CA, KS, MD, MA, NH, NJ and VA) 5
Critical Illness Benefit Rider (Not available in CT, FL, IL, KS, MD, MA, MN, NH, NJ, PA, VA and WA) 7
Disability Waiver of Premium Rider 8
Endowment Benefit Rider (Not available in DE) 9
Monthly Disability Income Rider (Not available in KS, MD, NH, NJ and VA) 9
Other Insured Level Term Rider 10
Reinstatement of a Lapsed Policy. 13
Death Benefit Payment Options. 13
Waiver of Premium Benefit Administration. 14
Revisions to this Product Guide 17