Rider Death Benefit

� 10 Year Term Rider: Renewable for 10 years only (not to age 95).

� 15 Year Term Rider: Renewable for 15 years only (not to age 95).

� 20 Year Term Rider: Renewable for 20 years only (not to age 95).

Specifications

� There is no restriction on the maximum death benefits of the term riders. Individually or in total their face amounts are permitted to be larger than the base policy death benefit.

� Term riders are only available for OPTerm plans at time of application.

� The underwriting requirements will be based on the aggregate death benefit (base policy plus sum of term riders).

� OPTerm 30 can have: one 20 year term rider, and/or one 15 year term rider and/or one 10 year term rider.

� OPTerm 20 can have: one 15 year term rider, and/or one 10 Year term rider

� OPTerm 15 can have: one 10 year term rider

Premium Bands  (Identical to OPTerm plans. The minimum death benefit amount is $100,000.)

Band 1: $100,000-$249,999

Band 2: $250,000-$999,999

Band 3: $1,000,000 and over