Available Riders for Ameritas Advisor VUL

Children's Insurance Rider (form ACIR01)
Provides $25,000 of term insurance coverage for insured's children who are under age 18 when the rider is issued, for $12 per month.  At age 25, children can convert to a permanent policy without providing medical information for up to 5 times the rider amount. The base policy insured must be between attained ages 18 and 55 when the rider is issued.  Rider may be added after issue. 

Waiver of Monthly Deduction Rider (form AWMD01)
This rider waives the monthly deduction due under the policy and all riders if the insured becomes totally disabled as defined by the rider. Available for issue ages 0-55.  The cost of this rider varies based on the insured's age, rate class, the size of the policy and other factors.

Term Insurance Rider (form ATIR01)
This rider provides term life insurance coverage on people other than the the insured under the base policy.  The rider can cover from 1-5 lives and each is subject to underwriting.  Minimum rider benefit is $50,000.  The cost varies based on the covered insured's age,  gender, rate class and amount of coverage selected. Rider coverage can be converted before the policy anniversary nearest the covered insured's age 75.

Accelerated Benefit Rider (form AABR01)
This automatic, free rider allows a portion of the policy's death benefit to be paid to the insured as a living benefit if the insured is diagnosed with a terminal illness.

Paid-Up Insurance Benefit Endorsement Rider (form End-PUL)
This endorsement protects the policy form lapsing under specific conditions when policy debt becomes large.  It gives the owner the option to convert the policy to paid-up insurance under very specific circumstances.  If all conditions are met and the owner elects the option, a one time deduction of 3.5% of the gross account value is charged.