INSURABILITY PROTECTION RIDER

Available on all Junior and Adult Whole Life Products except Single Premium Products. Not available on Term Products. Not available to certificates issued at substandard rates. Only available at time of issue.

Maximum amount available to purchase at each option date is $30,000 or the face amount of the certificate, whichever is less. The face amount of the certificate must be at least $30,000. The maximum amount of all certificates issued under this rider may not exceed $180,000.

You may purchase additional coverage at each of the specified future dates without evidence of insurability.

A letter advising the Member of his/her option to purchase additional insurance will be mailed to the Insured-Owner 60 days in advance of each option date. See rider contract for definition of option date.

Option dates are as follows:

The rider will terminate

1. On the expiration of the rider, which is the certificate anniversary of the certificate coincident with or next following the Member’s 40th birthday.

2. On any premium due date upon the Member’s written request.

3. Upon termination of the certificate for any reason.

4. On any change in the amount of the certificate.

5. When any non-forfeiture option of the certificate becomes operative.

For IPR Rates, see the page after the next page.

Please see Form No. IPR 5-91 (on the following pages) for complete rider information.

Insurability Protection Rider

While this rider is in force, Hermann Sons Life agrees that the person controlling this certificate will have the option to purchase a new certificate of life insurance on the Member's life on each Option Date.

This option may be exercised at any time during the Election Periods, subject to the following requirements:

(1) written application and the first premium for the new certificate must be received at the Home Office during the Election Period; and

(2) all premiums due for the certificate to which this rider is attached must have been paid.

In the event of the death of the Member prior to the register date of the new certificate, the premium paid for the new certificate will be refunded.

Option Dates

The Option Dates will be those certificate anniversaries next following the Member's 25th, 28th, 31st, 34th, 37th and 40th birthdays. The Election Period will be the 61 day period ending on each of the Option Dates.

Any option not exercised during the respective Election Period shall expire at the end of that Election Period, but such expiry shall not affect any option occurring on a subsequent Option Date.

New Certificate

The new certificate under this rider may be any whole life or endowment certificate available under Hermann Sons Life rules in effect as to age and amount on the day this option is exercised. The new certificate may be for an amount of insurance equal to or less than the Option Amount stated on the Data Page. However, the amount of the new certificate will be limited, if necessary, to an amount which when added to the amount of all other certificates issued under this rider does not exceed $180,000. The register date of the new certificate will be the Option Date.

Premiums for the new certificate will be determined by the rates then charged for the Member's sex, attained age, and premium class at which this certificate is issued.

If this certificate contains additional benefit riders, the new certificate will include similar benefits only with the consent of Hermann Sons Life.

SURRENDER AND NON-FORFEITURE BENEFITS

Surrender and non-forfeiture benefits under the certificate shall not be affected by the rider.

The provisions of the certificate concerning premiums, grace period, misstatement of age, the contract and “Automatic Premium Loans” are hereby referred to and by such reference are hereby made a part hereof. No other provisions of the certificate unless specifically mentioned herein shall be held or deemed to be a part of this rider. In accordance with the incontestable clause of the certificate and Hermann Sons Life laws, Hermann Sons Life may contest liability under this rider at anytime for any cause, inclusive of causes relating to the validity of the certificate as shown at its inception.

Termination

This rider will terminate at the earliest to occur of (a) the certificate anniversary next following the Member's 40th birthday, (b) when any premium for the certificate or this rider is not paid when due or within the grace period provided, (c) any termination of the certificate, (d) receipt at the Home Office of written request by the person controlling this certificate for termination of this rider accompanied by the certificate for endorsement, (e) when any nonforfeiture provision of the certificate becomes operative, or upon exchange of the certificate for another form of certificate.

Consideration

This rider is a part of the certificate to which it is attached. It is issued in consideration of the application received and the payment of the premiums as indicated on the Data Page.

Vice President of Operations and COO President and CEO

Waiver Of Premium Rider

Waiver of Premium (WP) - The Waiver of Premium Rider waives the payment of premiums in the event of death or total and permanent disability of the payor of the certificate. Specifications of the death benefit, definitions of total and permanent disability, risks not assumed, required proofs, and termination and general provisions are covered in the contract and the agent manual.

How to Sell Waiver of Premium Rider

People buy insurance for protection. If the payor of the certificate becomes disabled or dies who will be responsible for the premiums? Buying insurance for your insurance will help to keep premiums paid if the unexpected happens.

Waiver Of Premium Rider

If the Payor becomes totally and permanently disabled as a result of bodily injury or disease, and such disability continues without interruption for at least six months, then Hermann Sons Life will waive the payment of each premium up to the Payor’s 60th birthday or prior to the Member’s 25th birthday, whichever comes first. This can only be purchased at time of issue.

Cost for Waiver of Premium Rider is based on the insurance product it is sold with. To calculate the accurate cost, please see the Product Rate pages.

Definition of Total and Permanent Disability

Total and Permanent Disability is disability that prevents the Payor from performing any work or engaging in any business or occupation for compensation or profit, whatsoever, regardless of relationship or similarity to any previous work, occupation or business of the Payor.

The entire and irrevocable loss of the sight of both eyes, or the severance of both entire hands or the severance of both entire feet, or such loss of one hand and one foot shall be considered total and permanent disability within the meaning of this contract.

Risks Not Covered

Premiums will not be waived if the total and permanent disability commences after the Proposer attains the age of sixty (60) years or after the Member attains the age of twenty-five (25) years or if the total and permanent disability is the result of or is contributed to by: a) disease originating or injury sustained before the date of issue of this contract b) injuries intentionally self-inflicted c) any act of war, declared or undeclared c) travel or flight in, or descent from any aircraft or species thereof, except as a fare-paying passenger in a licensed aircraft

Agents need to complete a HIPPA Form and a Waiver of Premium Payor Information sheet for coverage.

Please see forms PW-4035 and PW-4005 (on the next page) for complete rider information.