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AMERICAN FAMILY LIFE INSURANCE COMPANY
6000 AMERICAN PKWY
MADISON, WISCONSIN 53783-0001
888-428-5433
WAIVER OF SPECIFIED PREMIUM RIDER FOR THE PRIMARY INSURED
FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE
This RIDER is attached to and becomes a part of the BASE POLICY and is
subject to the conditions and provisions of the BASE POLICY. All such
conditions and provisions apply to this RIDER unless changed by this RIDER.
DEFINITIONS
SPECIFIED PREMIUM. The amount shown on the Schedule that will be waived if
the PRIMARY INSURED is TOTALLY DISABLED.
TOTAL DISABILITY/TOTALLY DISABLED. The inability of the PRIMARY INSURED to
perform the material and substantial duties of his/her regular occupation for
pay or profit. Such inability must:
1. be the result of an injury or disease;
2. start after the ISSUE DATE and between the ATTAINED AGES of five
and 60 inclusive;
3. exist for six consecutive months.
If the PRIMARY INSURED is TOTALLY DISABLED for 24 months or more, the PRIMARY
INSURED will be considered to be TOTALLY DISABLED only if he/she is unable to
perform the material and substantial duties of any occupation for which
he/she is reasonably fitted by means of:
1. education;
2. training; and
3. experience.
Occupation includes:
1. if the PRIMARY INSURED is a homemaker who is not otherwise
employed, the performance of household duties; or
2. if the PRIMARY INSURED has not reached the age when he/she is
legally permitted to end formal education, regular attendance
at school.
TOTAL DISABILITY also includes the following total and irrecoverable losses
even if the PRIMARY INSURED is able to work:
1. the sight of both eyes;
2. the use of both hands;
3. the use of both feet; or
4. the use of one hand and one foot.
GENERAL PROVISIONS
BENEFIT. Any SPECIFIED PREMIUM waived will be credited the BASE POLICY'S CASH
VALUE as a premium payment if:
1. WE receive written proof, satisfactory to US, of the PRIMARY
INSURED'S TOTAL DISABILITY;
2. the PRIMARY INSURED becomes TOTALLY DISABLED while this RIDER is in
force; and
3. the PRIMARY INSURED is TOTALLY DISABLED for six consecutive months
If the SPECIFIED PREMIUM waived exceeds the maximum premium allowed by the
federal law that defines life insurance, WE will pay the amount that exceeds
the maximum premium allowed to the OWNER in cash.
If, while the BASE POLICY and this RIDER are in force, the PRIMARY INSURED
becomes TOTALLY DISABLED again after having been TOTALLY DISABLED before, the
new TOTAL DISABILITY will be considered a continuation of the old TOTAL
DISABILITY unless:
1. the TOTAL DISABILITY is due to an entirely different cause; and
2. the PRIMARY INSURED has performed all of the material and
substantial duties of a gainful occupation for six consecutive
months or more between the periods of TOTAL DISABILITY.
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The SPECIFIED PREMIUM waived and credited under this RIDER to the BASE
POLICY'S CASH VALUE does not guarantee that the BASE POLICY and any RIDERS
attached to it, will remain in force. If the CASH SURRENDER VALUE of the BASE
POLICY is not sufficient to cover the MONTHLY DEDUCTION and any loan interest
due, the BASE POLICY and any RIDERS attached to it, will lapse as defined in
the Grace Period provision.
EXCLUSIONS AND LIMITATIONS. WE will not credit the SPECIFIED PREMIUM waived
under this RIDER to the BASE POLICY'S CASH VALUE if the TOTAL DISABILITY
results directly or indirectly from:
1. intentionally self-inflicted injury;
2. any attempt at suicide, while sane or insane;
3. war; or service in the military, naval or air forces of any country
or international organization at war, whether declared or
undeclared; or any conflict between armed forces.
WE will not credit the SPECIFIED PREMIUM waived under this RIDER to the BASE
POLICY'S CASH VALUE if the TOTAL DISABILITY begins within five years from the
ISSUE DATE shown in the Schedule or on an endorsement if later changed if:
1. such TOTAL DISABILITY resulted from injury or disease sustained or
contracted before the ISSUE DATE; and
2. the PRIMARY INSURED received medical or surgical treatment for such
condition before the date of his/her APPLICATION; and
3. the PRIMARY INSURED did not disclose such treatment on his/her
APPLICATION.
The SPECIFIED PREMIUM may be increased only if:
1. the SPECIFIED AMOUNT has been increased subject to the conditions
and provisions of the BASE POLICY;
2. WE receive evidence of insurability satisfactory to US.
PROOF OF DISABILITY. Before WE credit the SPECIFIED PREMIUM waived under
this RIDER to the BASE POLICY'S CASH VALUE, WE must receive written proof of
a TOTAL DISABILITY at the ADMINISTRATIVE SERVICE CENTER during:
1. the PRIMARY INSURED'S lifetime; or
2. the continuance of the PRIMARY INSURED'S TOTAL DISABILITY.
WE must receive proof within one year from the date that the PRIMARY
INSURED'S TOTAL DISABILITY began. WE may still credit the SPECIFIED PREMIUM
waived under this RIDER to the BASE POLICY'S CASH VALUE even if WE do not
receive such proof in the time allowed, if the PRIMARY INSURED shows US that
it was not reasonably possible to provide proof in the time allowed. Proof
must however, be provided as soon as reasonably possible.
PROOF OF CONTINUANCE OF TOTAL DISABILITY. At OUR request, the PRIMARY INSURED
must furnish periodic written proof that his/her TOTAL DISABILITY has
continued without interruption. Upon receiving such proof, WE have the right
to request that the PRIMARY INSURED be examined by a physician of OUR choice.
After two years of TOTAL DISABILITY, WE may require proof of such TOTAL
DISABILITY not more than once a year. WE will pay the cost of any exam that
WE require. If WE do not receive such proof, WE will not continue to credit
the SPECIFIED PREMIUM waived under this RIDER to the BASE POLICY'S CASH VALUE.
PREMIUM. The OWNER must pay an amount sufficient to keep the BASE POLICY in
force until WE receive proof that the PRIMARY INSURED is TOTALLY DISABLED.
Any SPECIFIED PREMIUM covered by this RIDER that is made while the PRIMARY
INSURED is TOTALLY DISABLED, will be credited to the CASH VALUE when WE
receive proof satisfactory to US of the PRIMARY INSURED'S TOTAL DISABILITY.
If TOTAL DISABILITY begins prior to the end of the grace period, WE will
allow this benefit even though the premium is not paid on time.
INCONTESTABILITY. WE will not contest this RIDER after it has been in force
during the lifetime of the PRIMARY INSURED for two years from the Rider
Effective Date shown on the Schedule, excluding any period of time that the
PRIMARY INSURED has been TOTALLY DISABLED. WE will not contest any
reinstatement of this RIDER after it has been in force during the lifetime of
the PRIMARY INSURED for two years from the date WE approve a reinstatement.
REINSTATEMENT. Within five years after the date this RIDER terminated, the
OWNER may apply for reinstatement if:
1. the BASE POLICY is also being reinstated;
2. WE receive proof satisfactory to US that the PRIMARY INSURED is
insurable by OUR standards;
3. premium is paid as required by the BASE POLICY'S Reinstatement
provision;
4. the PRIMARY INSURED is alive on the date WE approve the request for
reinstatement. If the PRIMARY INSURED is not alive, such approval
is void and of no effect.
The OWNER may apply for reinstatement of the BASE POLICY with or without this
RIDER. WE have the right to approve the reinstatement of the BASE POLICY with
or without this RIDER.
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RIDER EFFECTIVE DATE. This RIDER takes effect as of the Rider Effective Date
shown on the Schedule. If this RIDER is subsequently added to the BASE
POLICY, the Rider Effective Date will be shown on an endorsement. The Rider
Effective Date determines each:
1. RIDER year;
2. RIDER anniversary; and
3. RIDER month.
RIDER TERMINATION DATE. This RIDER terminates on the earliest of:
1. 12:00 AM on the RIDER anniversary date nearest the PRIMARY
INSURED'S ATTAINED AGE 60;
2. the date the BASE POLICY terminates subject to the conditions and
provisions of the BASE POLICY; or
3. the date the BASE POLICY is surrendered by the OWNER.
If the PRIMARY INSURED was TOTALLY DISABLED prior to ATTAINED AGE 60, WE will
continue to credit the SPECIFIED PREMIUM waived under this RIDER to the BASE
POLICY'S CASH VALUE until the PRIMARY INSURED is no longer TOTALLY DISABLED
or he/she reaches ATTAINED AGE 95.
The OWNER may cancel this RIDER at any time by sending a written request to
the ADMINISTRATIVE SERVICE CENTER. Such cancellation takes effect on the
MONTHLY DEDUCTION DAY following the date the written request is received at
the ADMINISTRATIVE SERVICE CENTER, unless a later date is requested.
PRESIDENT SECRETARY
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