Versatile Life ® - Premium Waiver Rider

Provides disability protection of premiums during the premium payment period. Available ages 15-55. Coverage goes to age 60. The premium waiver on the Limited Pay plans is discontinued when the owner stops paying premiums. If the owner continues his premiums under the continuation option, the Premium Waiver will remain in force as long as he pays the premiums. If disability occurs during the premium payment period, premiums will be paid until the disability ends or death, whichever occurs first.