TERMS AND CONDITIONS
LINCOLN BENEFIT LIFE

Automatic deduction methods include pre-authorized check, payroll deduction, etc.

BENEFITS AVAILABLE:
The following benefit riders may be added to this policy. Check with the home office for current rider state approvals.

ADDITIONAL INSURED RIDER (FORM LR-9851):
This rider provides additional term insurance on the insured's spouse. It remains in force for the life of the coverage with the same conversion privileges as the base policy as long as the base policy remains in force. There is a "special conversion privilege" so that the insured under the rider can convert to another level term plan or a permanent plan at that time if the base policy terminates due to death or divorce. Rider rates are identical to the base policy rates.

WAIVER OF PREMIUM (FORM LR-8003):
Available for ages 18-55. This benefit is allowed for premium amounts up to $10,000. For premiums greater than $10,000, this benefit is not allowed. The rider terminates on the policy anniversary when the primary insured's attained age is 60. Premiums for the rider follow the same pattern as the base policy (i.e., level for 10,15, 20 or 30 years, then annually increasing thereafter).

ACCELERATED DEATH BENEFIT RIDER (FORM UL 9455)
This rider provides for the payment of up to 50% of the death benefit in effect, or $250,000 if less, if the insured is diagnosed with a terminal illness. "Terminal Illness" means the insured has a medical condition that, notwithstanding appropriate medical care, will result in death within 12 months. There is no additional cost to have this rider attached to a certificate. This rider is not approved in all state.