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FORM N-6, ITEM 26(d)
CONTRACTS
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American United Life Insurance Company
[One American Square
Indianapolis, IN 46206]
CREDIT OF PREMIUM DISABILITY RIDER
This rider is a part of the policy to which it is attached. The Policy Date of
this rider is the same as the Policy Date of the policy unless otherwise stated
on the Rider Specifications Page. The rider's provisions shall control when
there is a conflict between this rider and the policy.
Definitions
Insured - As used in this rider, the Insured is the same as the Insured for the
policy.
Benefit Amount - The amount of the premium to be credited to the policy. It is
chosen at the time of application and the amount is listed on the Rider
Specifications Page.
Total Disability - A disability that:
(1) Results from an injury first occurring or a disease first manifesting
itself after the Policy Date of rider, but before the Policy
Anniversary on which the Insured reaches the Attained Age of 65;
(2) Has continued for at least six (6) months;
(3) Requires regular attendance by a licensed physician other than the
Insured; and
(4) Prevents the Insured from performing the material and substantial
duties of an occupation for pay or profit. During the first 24 months
of Total Disability, an "occupation" means the Insured's regular
occupation at the time the Total Disability began. Afterwards,
"occupation" means any occupation for which the Insured is, or could
reasonably become, qualified by reason of education, training, or
experience. (Being a homemaker or a student is considered engaging in
work for pay or profit).
Benefit
While this policy is in force, if the Total Disability continues for a
consecutive period of six (6) months, then we will credit to the Account Value
the Benefit Amount for this rider as shown on the Rider Specifications Page,
subject to the following:
(1) If the Insured's Total Disability begins before the Policy Anniversary
on which the Insured reaches the Attained Age of 60, we will credit
the Benefit Amount to the Account Value during the continuance of that
disability until the Policy Anniversary on which the Insured reaches
the Attained Age of 121.
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(2) If Insured's Total Disability begins on or after the Policy
Anniversary on which the Insured reaches the Attained Age of 60, we
will credit the Benefit Amount to the Account Value during the
continuance of that disability until the Policy Anniversary on which
the Insured reaches the Attained Age of 65.
The amount credited to the Account Value will be treated as if it was a regular
premium payment in that all of the charges described in the Policy will still
apply. Crediting of Benefit Amounts under this rider does not guarantee that the
Policy will continue in force.
The Benefit Amount credited to the Account Value will not be taken from the
policy proceeds.
Exclusions
The following is a list of the exclusions in which the benefits are not
available under this rider:
(1) Total Disability caused or contributed to by an attempt at suicide, or
intentionally self-inflicted injury, while sane or insane;
(2) Total Disability caused or contributed to by active participation in a
riot, insurrection or terrorist activity;
(3) Total Disability caused or contributed to by committing or attempting
to commit a felony;
(4) Total Disability caused or materially contributed to by the voluntary
intake or use by any means of:
(a) Any drug, unless prescribed or administered by a physician and
taken in accordance with the physician's instructions; or
(b) Poison, gas or fumes, unless a direct result of an occupational
accident;
(5) Total Disability caused or contributed to by intoxication as
"intoxication" is defined by the jurisdiction where the disability
occurred;
(6) Total Disability caused or materially contributed to by participation
in an illegal occupation or activity; and/or
(7) Total Disability caused or contributed to by any condition disclosed
in the application and explicitly excluded in a form attached to the
policy.
Notice of Claim and Proof of Disability
Before we will credit any amount under this rider, we must receive a written
notice of claim and proof of Total Disability while the Insured is living and
totally disabled, or as soon as reasonably possible.
Written notice should be sent to us. We will then provide claim forms requesting
proof of Total Disability. Forms should be completed and returned to us as soon
as possible after the Insured has been totally disabled for six (6) months.
Until we approve the claim, premiums will continue when due as provided in the
policy. After we approve your claim and we begin to credit the Benefit Amount,
we will refund any premium previously paid during a period of Total Disability.
If the Total Disability begins during a Grace Period, sufficient funds will be
required to be added to the Account Value by the Policy Owner. This ensures that
any overdue Monthly Deductions can be deducted to avoid a lapse of insurance
before we approve the claim for the credit of the Benefit Amount.
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Proof of Continuation of Total Disability
After we approve the claim, we will require proof of the continuation of Total
Disability. During the first 24 months, proof will not be required more
frequently than once every 30 days. After that time, proof will not be required
more than once in any 12-month period. As part of the proof requirements, we
may, at our own expense, designate a physician to examine the Insured.
Incontestability
This rider will not be contested after it has been in force during the lifetime
of the Insured for two (2) years from the Policy Date or the effective date of
the rider, except for non-payment of premium or fraud when permitted by
applicable law in the state where the policy is delivered or issued for
delivery. Any period during which the Insured was Totally Disabled will not be
included in the determination of the two (2) year period.
Nonforfeiture Values
This rider does not have any Account Value, Cash Value, Cash Surrender Value, or
loan value.
Cost of Benefit
The cost for this rider is determined monthly and deducted from the Account
Value of the policy on each Monthiversary until the rider terminates. The cost
for this rider is shown on the Rider Specifications Page.
Termination
This rider terminates on the earliest of the following dates:
(1) The date the policy is terminated or continued as paid-up or extended
term insurance;
(2) The Monthiversary following the date requested by you in writing;
(3) Upon nonpayment of the premium for this rider; and
(4) The Policy Anniversary on which the Insured reaches the Attained Age
of 65, unless the Insured is on claim paying status.
Signed for American United Life Insurance Company(R) by,
Xxxxxx X. Xxxxx
Secretary
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