The Symetra life insurance company includes some riders in the standard policy and offers others to further enhance your policy based on needs.
Terminal Illness Rider - Access up to 75% of the policy's death benefit with a $500,000 maximum advance. This can be used if the insured is diagnosed as terminally ill with less than 12 months to live.
Chronic Illness Rider - If the insured is unable to perform 2 of the 6 activities of daily living, up to 50% of the death benefit amount may be advanced while still living. There is a $500,000 maximum withdrawal.
Charitable Giving Benefit - Allocate 1% of policy face amount to the charity of choice by the policy-owner upon the death of the insured.
Customize you GUL policy even further with more choices:
Chronic Illness Plus Rider - Up to 100% of the policy death benefit can be accessed for a qualifying chronic illness. The base rider offers only 50%.
Return of Premium Rider - Receive back up to 100% of the premiums paid in if you decide that life insurance coverage is no longer needed. The rider must be chosen at issue of policy and options to exercise it are 90-day windows after the 20th and 25th policy anniversaries.
Some carriers, such as AIG or American National, include this option at no extra charge.
Accidental Death Benefit - Will provide an additional $250,000 or up to 3 times the policy's face amount (whichever is less) in the event that the death of the insured was accidental, such as a car crash.
Additional Term Rider - Add an additional 20 years of level term life insurance at any time without submitting to new underwriting or medical exam.