accelerated death benefit rider

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ACCELERATED DEATH BENEFIT RIDER OVERVIEW This rider acts as an advance on a portion of the policy’s death benefit. Every whole life and term policy from SBLI includes the Accelerated Death Benefit Rider at no premium charge.

PURPOSE Allows the policyholder to receive a portion of the death benefit while the insured is still alive, should the insured be diagnosed with a terminal illness.

ELIGIBILITY This rider offers a one-time election if a verified physician’s statement indicates the insured has a terminal illness which will result in death within 12 months.

SBLI RIDERS << Accelerated

HOW IT WORKS The rider is available at no premium charge on the issue date of the base policy. There is a fee only at the time of exercise. The rider accelerates up to 50 percent of the base death benefit, including any paid-up additional insurance purchased with dividends, up to $250,000. Premiums and gross cash values will not changes as a result of the rider’s acceleration. The death benefit is reduced by the amount accelerated plus accumulated interest.

COMPATIBLE PRODUCTS • Continuous Payment Whole Life¹

• Limited Payment Whole Life 10¹

• Limited Payment Whole Life Paid Up At 65¹

• Single Premium Whole Life¹

• Limited Payment Whole Life 20¹

• Guaranteed Level Premium Term

• Limited Payment Whole Life 15¹

Death Benefit Children’s Level Term Guaranteed Purchase Option Single-Premium Paid-up Additions Flexible Premium Paid-up Additions Waiver of Premium Accidental Death Benefit

» DID YOU KNOW?

Every policy from SBLI includes a no premium charge Accelerated Death Benefit rider.

Guaranteed Level Premium Term

1 This refers to the SBLI Flex Whole Life product series. Rider Form Series BN-7L. Consult with an SBLI professional for availability. This informative sheet provides a brief description of the rider. Certain exclusions apply. The Savings Bank Life Insurance Company of Massachusetts. © 2016 All rights reserved. NAIC #70435. Approved for consumer use. 16-4152 12/16