Promise Whole Life Select 10, 20 & 65 (L10, L20 & L65)

Policy Change Type	Promise Whole Life Portfolio	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**	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.
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 $100,000 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
Guaranteed Insurability Rider	Earlier of Paid to Date and Current Date
Purchase Additional Insurance Rider	Earlier of Paid to Date and Current Date
Risk class improvements are not available for juvenile policies with issue ages 0-17. *Face decrease cannot exceed a minimum face amount of $100,000.