Disability Insurance: What is the CAPITAL SUM BENEFIT RIDER?

The Capital Sum Rider is included in most policies and does not cost extra.

The Capital Sum Rider is usually equivalent to 12 months of monthly disability insurance benefit and is paid out in addition to the monthly benefit.

Here is some sample language for the capital sum benefit rider:

We (the company)  will pay the Capital Sum Benefit shown on the Data Page if an Injury or Sickness results in Your total loss of use for any and every purpose or activity without any possibility of recovery of:

1. The use of a hand or foot; or

2. The sight of an eye.

This benefit is in addition to any other benefit provided by the policy or any other attached riders. The

Capital Sum Benefit is payable for only one loss in Your lifetime. In order for this benefit to be paid the

policy and this rider must be in force. If the policy and this rider are not in force, the loss must occur

within 90 days after the Injury or Sickness which caused it and the Injury or Sickness must occur while the

policy and this rider are in force.

TERMINATION

This rider terminates on the first of:

1. Your Age 65 Policy Anniversary or five years after the Policy Date, whichever is later; or

2. When We pay this rider’s benefit; or

3. Our receipt of the Owner’s written request to terminate it; or

4. Termination of the policy of which it is a part.