Text Box:                               RIDERS AVAILABLE FOR
                GOLDEN SOLUTION GRADED DEATH BENEFIT

              Accidental Death Benefit              -   issue ages 45-80
                                                                      minimum amount $2,500.00
                                                                      maximum amount is equal to the face 
                                                                      amount of the policy 
                             
              Grandchildren Rider                    -     issue ages 45-80
                                                                      $5,000.00 of coverage per grandchild
                                                                      cost $12.00 annually per child
                                                                      grandchild must be 180 days old 
                                                                      through age 15.  Coverage matures at 
                                                                      child’s age 21.

              Children’s Insurance Agreement -     child’s issue ages 15 days – 18 years
                                                                      primary insured’s max issue age is 61
                                                                      $3,000.00 of coverage per unit
                                                                      maximum 3 units
                                                                      cost $8.50 annually per unit
                                                                      applications 9362 and 9466 are both needed