Common use of Accelerated Benefit Clause in Contracts

Accelerated Benefit. The amount of the death benefit we will pay if the insured is eligible under this agreement. We will calculate the accelerated benefit amount by multiplying the death benefit by the accelerated benefit. PHYSICIAN An individual who is licensed to practice medicine or treat illness in the state in which treatment is received. This does not include the insured, or a member of the insured's immediate family. IMMEDIATE FAMILY The insured's spouse, child, parent, grandparent, grandchild, brothers and sisters and their spouses. TERMINAL CONDITION WHAT IS A TERMINAL CONDITION? A condition caused by sickness or accident which directly results in a life expectancy of twelve months or less. WHAT EVIDENCE DO WE REQUIRE OF THE INSURED'S TERMINAL CONDITION? We must be given evidence that satisfies us that the insured's life expectancy, because of sickness or accident, is twelve months or less. That evidence must include certification by a licensed physician. We reserve the right to ask for independent medical verification of a terminal condition. PAYMENT OF ACCELERATED BENEFIT HOW DO WE CALCULATE THE ACCELERATED BENEFIT? The accelerated benefit will be stated as a percentage of the insured's death benefit. When we calculate this amount, we will consider the insured's age and the option applied for. We will also base our calculation on certain assumptions, which we may change from time to time, including but not limited to assumptions about:

Accelerated Benefit. The amount of the death benefit we will pay if the insured is eligible under this agreement. We will calculate the accelerated benefit amount by multiplying the death benefit by the accelerated benefitbenefit factor. PHYSICIAN An individual who is licensed to practice medicine or treat illness in the state in which treatment is received. This does not include the insured, or a member of the insured's immediate family. IMMEDIATE FAMILY The insured's spouse, child, parent, grandparent, grandchild, brothers and sisters and their spouses. TERMINAL CONDITION ------------------ WHAT IS A TERMINAL CONDITION? XXX-00-00000 Xxxxxxxxx Life 1 A condition caused by sickness or accident which directly results in a life expectancy of twelve months or less. WHAT EVIDENCE DO WE REQUIRE OF THE INSURED'S TERMINAL CONDITION? We must be given evidence that satisfies us that the insured's life expectancy, because of sickness or accident, is twelve months or less. That evidence must include certification by a licensed physician. We reserve the right to ask for independent medical verification of a terminal condition. PAYMENT OF ACCELERATED BENEFIT ------------------------------ HOW DO WE CALCULATE THE ACCELERATED BENEFITBENEFIT FACTOR? The accelerated benefit will be stated as a percentage of the insured's death benefit. When we calculate this amountfactor, we will consider the insured's age and sex, and the option applied for. We will also base our calculation on certain assumptions, which we may change from time to time, including but not limited to assumptions about:

Accelerated Benefit. The amount of the death benefit we will pay if the insured is you are eligible under this agreementcertificate supplement. We will calculate the accelerated benefit amount by multiplying the death benefit by the accelerated benefitbenefit factor. PHYSICIAN An individual who is licensed to practice medicine or treat illness in the state in which treatment is received. This does not include you, the insured, or a member of your or the insured's immediate family. IMMEDIATE FAMILY The insured's or your spouse, child, parent, grandparent, grandchild, brothers and sisters and their spouses. TERMINAL CONDITION ------------------ XXX-00-00000 Xxxxxxxxx Life 1 WHAT IS A TERMINAL CONDITION? A condition caused by sickness or accident which directly results in a life expectancy of twelve months or less. WHAT EVIDENCE DO WE REQUIRE OF THE INSURED'S TERMINAL CONDITION? We must be given evidence that satisfies us that the insured's life expectancy, because of sickness or accident, is twelve months or less. That evidence must include certification by a licensed physician. We reserve the right to ask for independent medical verification of a terminal condition. PAYMENT OF ACCELERATED BENEFIT ------------------------------ HOW DO WE CALCULATE THE ACCELERATED BENEFITBENEFIT FACTOR? The accelerated benefit will be stated as a percentage of the insured's death benefit. When we calculate this amountfactor, we will consider the insured's age and sex, and the option applied for. We will also base our calculation on certain assumptions, which we may change from time to time, including but not limited to assumptions about:

Accelerated Benefit. The amount of the death benefit we will pay if the insured is eligible under this agreement. We will calculate the accelerated benefit amount by multiplying the death benefit by the accelerated benefitbenefit factor. PHYSICIAN An individual who is licensed to practice medicine or treat illness in the state in which treatment is received. This does not include the insured, or a member of the insured's immediate family. IMMEDIATE FAMILY The insured's spouse, child, parent, grandparent, grandchild, brothers and sisters and their spouses. TERMINAL CONDITION ------------------ WHAT IS A TERMINAL CONDITION? MHC-00-00000 Xxxxxxxxx Xxxe 1 A condition caused by sickness or accident which directly results in a life expectancy of twelve months or less. WHAT EVIDENCE DO WE REQUIRE OF THE INSURED'S TERMINAL CONDITION? We must be given evidence that satisfies us that the insured's life expectancy, because of sickness or accident, is twelve months or less. That evidence must include certification by a licensed physician. We reserve the right to ask for independent medical verification of a terminal condition. PAYMENT OF ACCELERATED BENEFIT ------------------------------ HOW DO WE CALCULATE THE ACCELERATED BENEFITBENEFIT FACTOR? The accelerated benefit will be stated as a percentage of the insured's death benefit. When we calculate this amountfactor, we will consider the insured's age and sex, and the option applied for. We will also base our calculation on certain assumptions, which we may change from time to time, including but not limited to assumptions about:

Accelerated Benefit. The amount of the death benefit we will pay if the insured is you are eligible under this agreementpolicy rider. We will calculate the accelerated benefit amount by multiplying the death benefit by the accelerated benefitbenefit factor. PHYSICIAN An individual who is licensed to practice medicine or treat illness in the state in which treatment is received. This does not include you, the insured, or a member of your or the insured's immediate family. IMMEDIATE FAMILY The insured's or your spouse, child, parent, grandparent, grandchild, brothers and sisters and their spouses. TERMINAL CONDITION WHAT IS A TERMINAL CONDITION------------------ XXX-00-00000 Xxxxxxxxx Life 1 What is a terminal condition? A condition caused by sickness or accident which directly results in a life expectancy of twelve months or less. WHAT EVIDENCE DO WE REQUIRE OF THE INSURED'S TERMINAL CONDITIONWhat evidence do we require of the insured's terminal condition? We must be given evidence that satisfies us that the insured's life expectancy, because of sickness or accident, is twelve months or less. That evidence must include certification by a licensed physician. We reserve the right to ask for independent medical verification of a terminal condition. PAYMENT OF ACCELERATED BENEFIT HOW DO WE CALCULATE THE ACCELERATED BENEFIT? The Payment of Accelerated Benefit ------------------------------ How do we calculate the accelerated benefit will be stated as a percentage of the insured's death benefit. factor? When we calculate this amountfactor, we will consider the insured's age and sex, and the option applied for. We will also base our calculation on certain assumptions, which we may change from time to time, including but not limited to assumptions about:

Accelerated Benefit. The amount of the death benefit we will pay if the insured is eligible under this agreement. We will calculate the accelerated benefit amount by multiplying the death benefit by the accelerated benefit. PHYSICIAN An individual who is licensed to practice medicine or treat illness in the state in which treatment is received. This does not include the insured, or a member of the insured's immediate family. IMMEDIATE FAMILY The insured's [spouse], child, parent, grandparent, grandchild, brothers and sisters and their [spouses]. TERMINAL CONDITION WHAT IS A TERMINAL CONDITION? A condition caused by sickness or accident which directly results in a life expectancy of twelve months or less. WHAT EVIDENCE DO WE REQUIRE OF THE INSURED'S TERMINAL CONDITION? We must be given evidence that satisfies us that the insured's life expectancy, because of sickness or accident, is twelve months or less. That evidence must include certification by a licensed physician. We reserve the right to ask for independent medical verification of a terminal condition. PAYMENT OF ACCELERATED BENEFIT HOW DO WE CALCULATE THE ACCELERATED BENEFIT? The accelerated benefit will be stated as a percentage of the insured's death benefit. When we calculate this amount, we will consider the insured's age and the option applied for. We will also base our calculation on certain assumptions, which we may change from time to time, including but not limited to assumptions about: