Text Box:       RIDERS & SUPPLEMENTARY BENEFITS       
         AVAILABLE FOR FLEX LIFE PLUS

                        Family Insurance Agreement

                    Children’s Insurance Agreement
       
                    Waiver of Premium

                    Additional Term Rider 

                    Broken Bone Rider

                    Guaranteed Insurability Rider

                    Accidental Death Benefit
 
                    Accidental Death & Dismemberment

                    Beneficiary Accidental Death Benefit    

                    Officers Benefit Association

                    Decreasing (Mortgage) Term Rider

                    Other Insured Term Rider

                    Level Term Rider