The guaranteed insurability rider allows the policyowner to:

Explanation

The guaranteed insurability rider lets the owner buy additional insurance at predetermined future dates or events (such as certain ages, marriage, or the birth of a child) without proving insurability again, protecting future coverage against a decline in health. Directing cash value to sub-accounts is a variable product feature. Waiving premiums during disability is the waiver of premium rider. Advancing the death benefit for terminal illness is the accelerated death benefit rider. This rider preserves the ability to add coverage later.