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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. GIO Rider is not available if the policy is rated.
GIO Rider Specifications:
Issue Ages: 0 - 39
Minimum GIO Amount: $25,000
Maximum GIO Amount: 2 X Base Policy Face Amount but not to exceed:
Ages |
0 – 24 |
$50,000 |
Ages |
25 – 27 |
$60,000 |
Ages |
29 – 30 |
$75,000 |
Ages |
31 – 39 |
$100,000 |