INSURABILITY PROTECTION RIDER

Insurability Protection Rider (IPR) – The Insurability Protection rider allows the certificate owner or their proposer to purchase additional coverage at standard rates without requiring further evidence of insurability. This coverage could be very significant when an insured has become uninsurable sometime after the initial certificate was issued and would be otherwise unable to obtain additional coverage. Information on amount of option, option dates and benefits, issuance rules, exercise options, and termination is located on the next page.

How to Sell Insurability Protection Rider

If there is a family history of illness (such as diabetes, asthma, etc.) the certificate holder may be unable to qualify for additional future insurance.