BRIGHTHOUSE LIFE INSURANCE COMPANY
1209 Orange Street
Wilmington, DE 19801
WAIVER OF WITHDRAWAL CHARGE FOR TERMINAL ILLNESS RIDER
This Rider forms a part of the Contract to which it is attached and is effective as of the Issue Date. In the case of a conflict with any provision in the Contract, the provisions of this Rider will control.
After the first Contract Anniversary, the Withdrawal Charge will be waived upon a withdrawal if:
1. | you are terminally ill and not expected to live more than 12 months; |
2. | a Qualified Physician certifies to your illness and life expectancy; |
3. | you were not diagnosed with the terminal illness as of the Issue Date; and |
4. | you have been the Owner continuously since the Issue Date or have become the Owner as spousal Beneficiary who continues the Contract. |
In the case of Joint Owners, this Rider applies to either Joint Owner. If the Owner is not a natural person, this Rider applies to the Annuitant.
Qualified Physician is any person duly licensed and legally qualified to diagnose and treat sickness and injuries. A physician must be providing services within the scope of his or her license. A Physician may not be a member of the Owner’s immediate family. Immediate family members include the Owner’s spouse, children, parents, grandparents, grandchildren, siblings and in-laws.
This Rider will terminate on the Annuity Date.
Brighthouse Life Insurance Company has caused this Rider to be signed by its Secretary.
Secretary |
L-22498 (09/12) |