Waiver of Surrender Charge - Unemployment

Issue Ages: 0 – 59

If Waiver of Surrender Charge – Unemployment Rider is valid and approved in the state, the rider will be added to the policy. The insured will have the option to waive the Surrender Charge on a full surrender of the policy if the following conditions are met:

1. The surrender occurs while the Insured is unemployed; and
2. Unemployment began while the rider was inforce; and
3. Unemployment has continued for at least twelve consecutive months.

There is no additional charge for this rider and is available until the Insured's attained age 59. To remove the Waiver of Surrender Charge - Unemployment Rider from the illustration, due to special circumstances, select 'No'.