ACCIDENTAL DEATH BENEFIT RIDER

Available on all of the products we offer except Single Premium products.

Maximum amount available is $250,000 (cumulative coverage with all companies) on adults and juniors. This rider can be sold after the original issue date of the certificate.

Rates are as follows:

Per $1,000

Benefit Coverage

Upon receipt of due proof that the death of the Member:

1. Resulted independently of all other causes from bodily injury effected solely through external, violent and accidental means and evidenced by a visible contusion or wound on the exterior of the body (except in the case of drowning or of internal injuries revealed by an autopsy); and

2. Occurred within 60 days of such injury; and

3. Occurred prior to the Member’s seventieth (70th) birthday; and

4. Occurred while this certificate and this rider were in force.

Risks not covered

1. Suicide or attempted suicide.

2. Committing or attempting to commit an assault or felony.

3. Insurrection or war or any act attributable to war whether or not the member of the military.

4. Disease, or bodily or mental infirmity.

5. Travel or flight in or descent from any aircraft, except as a fare-paying passenger.

6. Consumption of amounts of alcohol that causes death.

7. Taking of any drug, medication or sedative unless prescribed by a physician, including any combination with alcohol.

8. Being under the influence of alcohol, drugs, or controlled substances.

9. Taking any kind of poison, or inhaling any kind of gas voluntarily.

Please see Form No. S-4050 (on the next page) for complete Rider information.