This benefit ensures that, in addition to the insurance amount, a monthly sum will be deposited into the accumulation fund in order to cover, in part or in full, the costs related to the remaining insurance coverage(s). This pre-selected amount will be paid until the benefit ends. The options available for the duration of this benefit are as follows:
 

• policyowner's 55 birthday
• policyowner's 65 birthday
• policyowner's 75 birthday
• 25 years after the policyowner's death.
   

Issue Ages - (Age nearest)
 

• Age 18 to 45 - age 55 option
• Age 18 to 50 - all other options
   

Benefit Amount
 

• minimum: $25 a month
• maximum: $1,000 a month
   

Benefit Cost
 

• Fixed - Guaranteed
• Ceases to be payable when the policyowner reaches age 65 (or when the policyowner reaches age 55, for the age 55 option)
   

Termination of Coverage

Benefit payments will cease upon:
 

• the date the policyowner would have turned 55, 65, 75 or a period of 25 years after the policyowner's death (whichever option is chosen) or
• the termination of the contract
   

Characteristics

Only the policyowner is eligible for this benefit. The contract must remain in force after the benefit has been paid.