Optional Benefit Riders – Professional Expense

You can customize your Professional Expense overhead expense protection with the following optional benefit riders:

• Future Expense Protector Option Rider – Provides the opportunity to increase your monthly benefit regardless of changes in your health.
• Own Occupation Protection Rider – Pays a monthly benefit while you are totally disabled in your regular occupation even if you are working in another occupation and continue to be responsible for the overhead expenses.
• Return-of-Premium 50% Rider – Returns 50% of the annual eligible premium paid or waived under your policy on certain dates if you are not disabled and your claims have been minimal.
• Proportional Disability Rider – Provides protection while you are partially disabled to the end of your benefit period. You may choose between receiving the partial disability benefit, which covers loss of time or duties, or the proportionate disability benefit, which covers loss of income.
• Return of Premium – Surrender 50% Rider – Returns a portion of the eligible premium you paid if you choose to surrender your policy on one of the optional surrender dates.
• Health Care Rider – Provides protection if you contract HIV, Hepatitis B or Hepatitis C and legislation or regulations prohibit you from performing your occupation.

We’ve built many valuable features into the basic Professional Expense plan. For more details on the Professional Expense plan, see our At a Glance brochure or contact your financial security advisor.