This benefit allows the policyowner the option to purchase additional life insurance amounts on the insured without evidence of insurability. A maximum of 5 options can be exercised.

The regular option dates are as follows: every five years as of the insured's 25 birthday, up to his 45 birthday.

An option can also be exercised on the following events: marriage, purchase of a home, birth or adoption of a child. Exercising an option at these times automatically cancels the next regular option date.
 
Issue Ages - (Age nearest)
 

• Age 0 to 40

Benefit Amount
 

• minimum: $10,000
• maximum: the lesser of $100,000 or 200% of the total insurance amount covering the insured
   

Benefit Cost
 

• Fixed - Guaranteed
• Ceases to be payable on the earlier of the following dates:
   
  • the insured's 45 birthday
  • the date the last option is exercised
     

Termination of Coverage

The earliest of the following events:
 

• on the insured's 45 birthday
• when the last option is exercised
• on the date the contract is terminated
   

Characteristics

The options may be exercised to purchase any permanent, individual life insurance coverage (with the exception of Foundation).