Our Life Events Option rider helps your coverage grow with you.

Big moments bring new responsibilities. Find out how to add more coverage when you need it most.

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What’s the Life Events Option rider?

The Life Events Option, or LEO, is a feature included with some of our whole life policies. It lets you buy a separate whole life policy up to your original coverage amount. In total, you can have up to $1 million in coverage.

You can use it when you:

Experience a qualifying life event or reach a milestone age.
Are under 45.
Have an eligible policy with the rider.

What life events qualify?

You qualify if you marry, have or adopt a child, buy a primary home, leave the military, or get a 20% raise. Additionally, this option is available as you reach the milestone ages of 26, 28, 32, 36, 40 and 45.

Do I need another medical exam?

No. Your new premium is based on your current age, but you’ll keep the same health rating you had when you bought the original policy.

Isn’t it included in my policy?

LEO is included in some whole life policies. Once you qualify, you just need to activate it. You can also call a Life Specialist for help.

Other requirements for LEO

While there’s no additional cost to have LEO on your original policy, you’ll pay a premium for the new policy’s coverage. Your new rate is based on your age when you activate it.

Keep in mind that qualifying life events and milestone ages must apply to the insured person even if the policy owner is someone else.

You can use LEO to add coverage up to 6 times. If you use it for a life event, like buying a home, it takes the place of your next milestone age option.

When you use it for a life event, we'll ask for some basic proof, like pay statements or military separation orders, before we issue your new policy.

How it works

Steps to complete How it works

Confirm your eligibility

You have 90 days to add coverage after a qualifying life event. For milestone ages, you have up to 60 days before your policy anniversary.
Call a Life Specialist

If you have an eligible whole life policy or if you’re not sure, call our Life Specialists to exercise the rider.
Increase your coverage

You'll get a new, separate whole life policy. You can choose a coverage amount up to your original policy's limit, up to a maximum of $1 million.

Call 800-245-6399

For TTY devices, dial 711

Do you have a LEO or Term Life Events Option (TLEO)?

While the LEO is for whole life policies, the Term Life Events Option gives you a one-time opportunity to increase your coverage after a qualifying life event.

Learn about TLEO

Life Events Option FAQ

Your rider expires when the first of these happens:

You reach the policy anniversary after you turn 45.
You cancel the original policy.
You use the rider 6 times.

Your new policy is whole life insurance, so it'll protect you for life as long as you pay your premiums.

It can be, but only certain policies include this option.

No. When you use your LEO for a qualifying life event, it takes the place of your next milestone age option.

You can still use the rider for future life events or your next milestone age.

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Get the protection you need after life’s big changes.