Promise Whole Life (PWL)

Policy Change Type	Effective Date of Policy Change.	Other Change Criteria
Risk Classification Improvement*	Annual Policy Anniversary	Risk Classification Improvement changes must be submitted 90 days prior to 90 after the policy anniversary.
Face Decrease:**
Decrease Face without Flex Term Rider	Earlier of Paid to Date and Current Date
Decrease Face with Flex Term Rider	Annual Policy Anniversary
Benefit Increase:
Accidental Death Benefit	Annual Policy Anniversary	Available for Insured ages 0-65; not available on Guaranteed Issue policies.
Rider/Benefit Additions:
Accidental Death Benefit	Annual Policy Anniversary	Available for Insured ages 0-65; not available on Guaranteed Issue policies.
Children's Term Insurance Rider	Annual Policy Anniversary
Disability Waiver	Annual Policy Anniversary	Available for insured ages 0-60.
Purchase Additional Insurance Rider	Annual Policy Anniversary	Available with $25,000 minimum base face amount for risk class rating through Table F for insured ages 0-85
Rider/Benefit Cancellations:
Accidential Death Benefit	Earlier of Paid to Date and Current Date
Applicant's Waiver of Premium	Earlier of Paid to Date and Current Date
Children's Term Insurance Rider	Earlier of Paid to Date and Current Date
Disability Waiver	Earlier of Paid to Date and Current Date
Flex Term Rider	Earlier of Paid to Date and Current Date
Guaranteed Insurability Rider	Earlier of Paid to Date and Current Date
Purchase Additional Insurance Rider	Earlier of Paid to Date and Current Date
Conversion:
Flex Term Rider Conversion	Annual Policy Anniversary	Available to the later of the insured's age 65 or the first 10 policy years.
Risk class improvements are not available for juvenile policies with issue ages 0-17. *Face decrease cannot exceed a minimum face amount of $10,000.