An accelerated death benefit rider is provided on all standard issue policies at no additional cost.  As the policy-owner, you may request a portion of your death benefit if you meet one of the qualifying conditions.

• 90% of your death benefit can be taken in advance if you have been diagnosed with a terminal illness (defined as having less than one year to live).
• 75% of your death benefit is available as a lump sum if you are permanently confined in a qualified nursing facility.
• 50% of your death benefit can be taken if you require home health care; this provides an additional layer of financial flexibility.
• 50% of your death benefit can be taken if you develop a chronic illness, in order to cover medical expenses and other costs.

This rider can provide your beneficiaries with a second death benefit, equal to the base policy, if you pass away due to an accident, which is defined in the policy. This feature is available for purchase for people under the age of 65, with the cost and benefit expiring on your 70th birthday. This rider is available for purchase at the time of your policy issue.

This rider is available to applicants under the age of 55, and waives premiums if you become disabled prior to reaching your 60^th birthday. This benefit and its cost both end after you reach your 65^th birthday. This rider is available for purchase at the time of your policy issue.

This rider is available for purchase with a single payment at the time of your policy issue. The lump sum buys coverage that doesn’t require any additional funding, as the policy is paid-up at issue, which creates an immediate death benefit and guaranteed cash value. The rider is also created as a separate policy and will remain in force even if the base coverage is surrendered.

Golden Eagle is a participating plan, meaning the policy can grow using a non-guaranteed dividend.

Other benefits of the Golden Eagle policy include

• Guaranteed cash value accumulation
• Policy loan availability
• Income tax-free death benefit
• Simplified underwriting