Ff Manulife ptional Riders a ® Total Disability Waiver (TDW) ® Payor's Benefit (PB) ® NlacciMax 1-4 = Hospital income Benofit (HIB) ® Enhanced Critical fliness (ECI) * Term Life Rider (TR) iuivernies Accidental Death Benefit (ADB) : . = Accidental Death Benefit (ADB) : : : ‘ : L Provides additional coverage of up to 100% of the face amount if death is due to accident. i Death must occur within 180 days after the date of accident Coverage period: Maturity of the base plan or when insured reaches age 70, whichever comes first «3 "ade ergo en ae ‘Scaneod by wee conusion ov wd inthe eestor of Souycieaith eaes af aroing or final sy coed yan scpManulife Accidental Death Benefit (ADB) | issue Ages 1 f0 60 for 10-pay Whole Life and 204yr Endowment 4 %065 for S-pay and Regular-pay Whole Life and 20-yr Endowment 1 1085 for REUL 1 to 48 for Endowment @ 65 Attachable to: 1 sare aa Season Ps , ge = Freedom 20 and Freedom 20 Plus isnt «Freedom @ 88 and Freedom @ 65 Pius . + YRTand REACTS ‘Adam and Eve (as built-in rider) Affluence Builder (as built-in rider) Manulife Education Builder Horizons Cane Accidental Death Benefit (ADB) Exclusions. 1. Suicide, whether sane or insane 2. Any drug not prescribed by a medical practitioner, poison, gas or fumes, voluntary oF involuntarily taken, administered, absorbed, or inhaled, other than as a result ofan accident erising ‘rom a hazard incident to the insured's ‘cocupation 3, War or any act incident to war, or service in the armed forces of any country at war orn a cilia force auxilizy thereto. 4, Travel or fightin, or descent from any aircraft, if the Insured is a member of the crew, plot of the aircraft, ori the fight is made for instructional or training purposes or for the purposes of dropping parachutist, &, Rict, civil commotion, rebelion or insurrection 6. Any injury inflicted intentionally by a third party vith provocation on the Insured’s part, and whether or not the attack or the defense by the third party was caused by a violation ofthe law by the Insured. 7. While commiting an asseult or any violation of law. Se ee ee ee a ee ee ee eeMM Manulife Waiver (TOW) Premiums are waived as they fall due if Insured mes totally disabled and remains disabled for at st 6 consecutive months. niums will be waived until age 100 if disability occurs before age 60. If total disability begins on or after age 60 and before 65, premiums will be waived up to age 65 only. Coverage pet Premium paying period or when the Insured reaches age 65, whichever comes first. Total Disability Waiver (TDW) Issue Ages 16 to 60 for Whole Life, RPUL and 20-yr Endowment 18 to 45 for Endowment @ 65 16 t0 65 for YRT 15 to 64 for REACTS. ttachable to: ‘Seasons and Seasons Prime Freedom 20 and Freedom 20 Plus Freedom @ 65 and Freedom @ 65 Plus x YRT and REACTS t Adam and Eve (és builtin rider) a Afiuence Builder (as builtin iden) os Sh ae ;