Conditional Return of Premium Rider
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Conditional Return of Premium Rider

This rider guarantees the policyowner a return of premiums paid in the early years of the policy if certain conditions are met. The primary insured must be between 18 and 70 for this rider to be added.

If the policyowner surrenders the policy during the first five years, the payout will be the greater of:

The percentage of cumulative premiums returned is based on the policy year.

YearPercentage
1 - 3100%
495%
590%

The rider can't be used with any of the following riders:

Withdrawals, loans, increases and death benefit option changes are not permitted while this rider in in force.

Premium requirements

Each annual premium requirement must be met by the end of that respective policy year or the rider will terminate.

Please note that the election of this rider will result in a modified commission and chargeback schedule.