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The rider allows the policy-owner to increase coverage without evidence of insurability during specified option periods. It is designed for younger insurance buyers who know they will need more coverage later and want to lock in its availability now. GIR is not available if the policy is rated.
GIR Rider Specifications:
Issue Ages: 0 - 37
Minimum GIR Amount: $5,000
Maximum GIR Amount: Lesser of Base Policy Face Amount OR $50,000