Life insurance riders*

An Aviva life insurance rider is an addition or amendment to your life insurance policy. They provide different options and benefits that allow you and your Aviva agent to customize your policy to your life.

Wellness for Life Rider
Provides a reward for living a healthy lifestyle with a discount on your premiums for those who qualify. You also receive a health-risk assessment as well as exclusive access to Mayo Clinic Health Services, including their 24-hour nurse line.

No Lapse Guarantee Rider**
Guarantees a death benefit for life so you’re covered even if your premium payments lapse or fail to be current. You can also decide the length of your guaranteed period and your premium payment period.

Life Protector Rider***
Allows for all of your premiums to be considered paid, making it a “paid-up policy.” No further premiums would be due when certain policy conditions are met. It also prevents your policy from lapsing (being discontinued) as a result of taking out a loan against the value of the policy.

Primary Insured Rider
Ensures a fixed premium amount that won’t change during the life of your insurance policy.

Additional Insured
Provides death benefit coverage on the lives of up to three family members. This premium is also a fixed amount.

Children’s Insurance
Let’s you extend a death benefit to your child’s life up to age 25 with a fixed premium amount.

Early Cash Value Rider
Designed for businesses, this provides a higher cash value in the early years of a policy. Should you decide to terminate (surrender) the policy, surrender charges are waived and the first year’s premium is refunded.

Accidental Death Benefit
Adds coverage should you as the insured die from an accident.

Accelerated Death Benefit Rider
Speeds up the time in which benefits are paid should you become terminally ill. A portion of the policy proceeds normally paid at death is paid to you while you are living provided your life expectancy is 12 months or less.

Return of Premium Rider*
If a death benefit has not been paid on a life insurance policy, this rider will return your premiums, less any withdrawals, to you including accumulated interest. A fixed interest growth rate, from 0 to 6 percent, can be selected.

Waiver of Monthly Deductions Rider
All monthly deductions (for base policy, riders and policy charges) are waived should you become totally disabled for at least 6 months. If you become totally disabled before age 65, a lifetime benefit is payable.

Waiver of Premium Rider
The monthly premium specified under the rider is credited to the policy if you become totally disabled for at least 6 months. If you become totally disabled before age 65, a lifetime benefit is payable.

More riders available
Estate Protection Rider
Joint Term Rider
Waiver of Premium Plus
Policy Split Option
Waiver of Surrender Charge Due to Confinement Rider
Guaranteed Purchase Option Rider

*Riders are subject to state availability, certain limitations, and may require additional charges unless otherwise specified. See terms of the rider for full details.

**The No-Lapse Guarantee Rider is called the “Extended Guarantee Rider” in Connecticut and the “Death Benefit Guarantee Rider” in Illinois. Certain policy changes can void the guarantee. See rider form for complete details. Charges for this rider apply.

***The tax treatment of this rider, if activated, is not well settled under current law. In particular, it is not clear whether the rider will result in a taxable event at the time it is activated. Anyone contemplating the purchase of the policy with this rider should consult a tax advisor as to the possible tax ramifications associated therewith.

All tax related information contained herein is based on our current understanding of federal tax laws as they relate to life insurance or other subject matter discussed. These laws are subject to change in the future. Neither Aviva nor its representatives offer legal or tax advice. You should consult a personal tax advisor on any tax matters. In order to comply with certain U.S. Treasury regulations, please be advised of the following: Unless expressly stated otherwise, any U.S. Federal tax advice contained in these materials is not intended or written to be used, and cannot be used, by any person for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service. Products issued by and all policy benefits are the responsibility of Aviva Life and Annuity Company, and not that of any other insurer or company.

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