Versatile Life ® - Flexible Purchase (Drop-In) Rider

Cash accumulation rider with interest paid at the same tax sheltered rate as the base policy. Commissionable. Will accept minimum deposits of $10 per month on Checkless and Salary Savings Plans, $50 if separate billing. Maximum deposits are 30% of the initial basic policy face amount. May pay a portion of, or the entire policy premiums by transfers from the rider fund at no charge. Partial Surrenders include a $25 fee. A surrender charge schedule begins at 9% in the first year and decreases 1% per year to zero in year ten.