FREEDOM GLOBAL IUL IISM FREEDOM INDEX ... - wbassoc

Product GuideDisability Waiver of Monthly Deductions Rider*Issue ages: 15 – 55. Subject to certain conditions, this rider waives the policy’s Monthly Deductions whenwe receive proof that while the rider was in force the primary insured became disabled (as defined inthe rider), that the primary disability began before the policy anniversary on or following the primaryinsured’s 60th birthday, and that the primary insured’s total disability has existed continuously for at least6 months. This rider does not waive any Monthly Deduction that comes due more than one year beforewe receive a written claim, after the primary insured’s recovery from disability or after termination of therider, nor does it waive the Index Account Monthly Charge. This rider terminates on the anniversary followingthe insured’s 60th birthday or as specified in the rider. Not available with the Disability Waiver ofPremium Rider.Disability Waiver of Premium Rider**Issue ages: 15 – 55. Subject to certain conditions, applies the rider benefit amount shown in the policy asif it were a premium payment into the policy, when we receive proof that while the rider was in force theprimary insured became totally disabled (as defined in the rider), that the primary insured’s total disabilitybegan before the policy anniversary on or following the primary insured’s 60th birthday, and that theprimary insured’s total disability has existed continuously for at least 6 months. This rider will not coverany premiums that become due more than one year before we receive a written claim. The rider terminateson the anniversary following the insured’s 60th birthday or as specified in the rider. Not availablewith the Disability Waiver of Monthly Deductions Rider.Accidental Death Benefit RiderIssue ages: 15 – 55. The minimum rider Face Amount is $10,000 and the maximum is the lesser of$150,000 or 150% of the base Face Amount. This benefit pays the Face Amount of the rider if the primaryinsured’s death results directly from an accidental bodily injury, independent from all other causes. Thedeath must occur within 90 days of the accidental bodily injury and the injury must occur on or beforethe Policy Anniversary following the insured’s 70th birthday. The rider will terminate on the PolicyAnniversary after the insured attains age 70 or as specified in the rider.Terminal Illness Accelerated Death Benefit Rider***This rider is issued automatically on each policy at no charge until the rider benefit is exercised. Thisrider allows the owner to access up to 100% of the total death benefit on the insured or $500,000,whichever is less, prior to death of a terminally ill insured.* It is possible that additional payments will be required to keep a policy in force while the monthly deductions are being waived. Forexample, loan interest accruing on an outstanding loan may require additional payments.** It is possible that additional payments will be required to keep a policy in force while the Disability Waiver of Premium Benefit isbeing paid. For example, an increase in monthly deductions or decrease in cash value may require additional payments.*** Eligibility for the Terminal Illness Accelerated Death Benefit is determined by a condition resulting from injury or illness which, asdetermined by a physician, has reduced life expectancy to not more than 12 months, not more than 24 months in TX, GA, IL, MA, andWA, from the date of the physician’s statement. The policy’s benefits and values will be reduced proportionally in accordance with thebenefits advanced under this rider. Benefits advanced under this rider may be subject to taxation.t r a n s a m e r i c a | 17