Optional Dental Rider

	Certificate Period 1	Certificate Period 2	Certificate Period 3+
Preventative Dental Benefits
Children age 9 through 16 (after 3 months of continuous coverage)	100%	100%	100%
Basic Dental Benefits (after 6 months of continuous coverage)	50%	65%	80%
Major Dental Benefits (after 6 months of continuous coverage)	30%	40%	50%
Dental Deductible	$100 per Certificate Period per Person	$100 per Certificate Period per Person	$100 per Certificate Period per Person
Maximum Dental Benefits	$500 per Certificate Period per Person	$750 per Certificate Period per Person	$1,000 per Certificate Period per Person

Optional Term Life Insurance and Accidental Death and Dismemberment
(Not available to Residents of the U.S., regardless of Citizenship)

Term Life Insurance

Age	Option 1 - Principle Sum	Option 2 - Principle Sum
19 to 59	$50,000	$100,000
60 to 64	$25,000	$50,000
65 to 69	$10,000	Not Available
Dependent Child	$5,000	Not Available
You may choose a different option for each family member taking Term Life coverage.

Accidental Death and Dismemberment

Accidental Death	Principal Sum to Beneficiary
Accidental Loss of Two Limbs	Principal Sum to Member
Accidental Loss of One Limb	50% Principal Sum to Member
"Limb" means, hand, foot or eye. The Benefit is based on age at the time of death or dismemberment.