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The DBPR rider ensures that the policy will not lapse during the Death Benefit Protection Period . The policy will not lapse even if the net cash surrender value is less than zero provided that the accumulation with interest of the premiums paid less withdrawals and policy debt accumulated at interest equals or exceeds the accumulation with interest of Monthly Guaranteed Premiums (MGP). There is no additional charge for this rider.
DBPR Rider Specifications:
Issue Ages: 0 - 64
Death Benefit Option: A (Level) OR B (Increasing)
NL & LSW FlexLife |
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Ages |
DBPR Period |
0-29 |
30 Years |
30-39 |
25 Years |
40-54 |
20 Years |
55-64 |
15 Years |
SecurePlus Provider |
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Ages |
DBPR Period |
Ages |
DBPR Period |
Ages |
DBPR Period |
0 – 50 |
20 Years |
57 – 58 |
14 Years |
69 – 70 |
8 Years |
51 |
19 Years |
59 – 60 |
13 Years |
71 – 72 |
7 Years |
52 |
18 Years |
61 – 62 |
12 Years |
73 – 74 |
6 Years |
53 |
17 Years |
63 – 64 |
11 Years |
75 |
5 Years |
54 |
16 Years |
65 – 66 |
10 Years |
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55 – 56 |
15 Years |
67 – 68 |
9 Years |
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