Characteristics of Riders – Benefits and Riders

Benefits and Riders
At StateTrust Life and Annuities we see benefits as our main area of focus, because it is through benefits that we make it possible for our customers to plan for their future and their families’ future in three essential areas: estate, education, and retirement.
Characteristics of Riders
This table shows features offered by Riders in StateTrust Life and Annuities life insurance policies.
Riders Accidental Death Benefits
(ADB)
Spouse/Other
Insured
(OIR)
Additional Term Insurance
(LIPR)
Critical
Illness *
Accelerated
Benefit for
Terminal Illness
Description Accidental Death
Benefit up to age 65
Coverage for spouse/family members Additional Temporary Coverage for main policy-holder Benefit for one of the six illnesses included * Accelerated Benefit for Terminal Illness with death prognosis
Minimum coverage 50,000 US$ or Euro 50,000 US$ or Euro 50,000 US$ or Euro - N/A
Maximum coverage 150,000 US$ or Euro Equal or lesser coverage than main Equal or lesser coverage than main - -
Age at Insurance 19 to 65 years 19 to 65 years 19 to 65 years 19 to 65 years 19 to 65 years
Critical Illnesses: cardiac attack, stroke, cancer (exclusions apply), coronary bypass surgery, renal failure and multiple sclerosis.