JOINT SUPPLEMENTAL COVERAGE RIDER
Issued by Cova Financial Services Life insurance Company
Term Insurance Involved.
This rider is a part of the policy to which it is attached and is subject to all
applicable terms and provisions of the policy; except as modified herein. The
Policy Specifications page shows the rider amount.
Face Amount The face amount of this rider is shown on the Policy Specifications page.
Life Insurance This rider provides term life insurance on the lives of the insureds shown on the policy
Benefit specifications page. We will pay the death benefit of this rider to the beneficiary if this rider
is in force upon the Last Insured's death.
The Death Benefit provision in the policy is modified so that where it states "face amount"
it means the policy's face amount plus this rider's face amount.
Decreases in Under the Face Amount Decreases and Pro Rata Surrender provisions in the policy, if a
Rider Face decrease in face amount is requested, the rider's face amount will be decreased before the
Amount policy's face amount.
Under the Allocation of Partial Withdrawals provision in the policy, if a partial withdrawal
reduces the face amount, the policy's face amount will be decreased before the rider's face
amount.
A surrender charge will not apply upon a decrease in this rider's face amount.
Monthly Cost The monthly cost of insurance for the following month is deducted on the monthly
of Insurance anniversary date. The monthly cost of insurance is 1, below, multiplied by the excess, if
any, of 2 over 3 below:
1. The monthly cost of insurance rate for this rider divided by 1,000.
2. The face amount of this rider divided by the monthly cost of insurance factor shown on
the policy specifications page.
3. Any excess of the policy's cash value over the base policy's death benefit at the
beginning of the policy month.
This rider will be considered an increase to the policy's face amount when determining the
monthly cost of insurance for the policy.
Monthly Cost The monthly cost of insurance rate for this benefit is based on the attained ages, risk
of Insurance classifications and (in a non-unisex policy) sexes of the insureds and the completed policy
Rates years from the issue date. Monthly cost of insurance rates will be determined by us based
on expectations as to future experience. However, these rates will not exceed those shown
in the Table of Guaranteed Monthly Cost of Insurance Rates for the Joint Supplemental
Coverage Rider.
Each monthly anniversary this rider is in force, the monthly cost of insurance for this rider
(as determined above) will be added to the monthly deductions as defined in the Cash
Values section of the policy. This increased monthly deduction will be used to determine
the cash value of the policy on such monthly anniversary.
Selection and The selection and issue expense charge for this rider is a monthly charge which equals the
Issue Expense rider's face amount times this rider's selection and issue expense charge rate, divided by
Charge 1,000. The selection and issue expense charge rate for this rider will never exceed the
Selection and Issue Expense Charge rate for the Joint Supplemental Coverage Rider
shown on the policy specifications page.
CLR14 1
(5/99)
Termination You may terminate this rider as of any monthly anniversary following a written request to
us. We may require the policy and the rider for endorsement. This rider will terminate when
any of the following events first occurs:
1. the lapse of the policy; or
2. the surrender of the policy; or
3. the Last Insured's date of death.
4. a requested decrease in face amount which results in this rider's face amount being
decreased to zero.
Reinstatement This rider may be reinstated within five years after the date of policy lapse if:
1. The policy is also being reinstated; and
2. Proof satisfactory to us that both Insureds are insurable by our standards if both
Insureds were alive on the date the policy lapsed. If only one Insured was alive on the
date the policy lapsed, you must submit proof satisfactory to us that the Insured is
insurable by our standards.
We have the right to approve the reinstatement of the policy with or without this rider.
The issue date and effective date of this rider and the policy are the same.
SECRETARY PRESIDENT
COVA
Cova Financial Services Life Insurance Company
St. Louis, Missouri
CLR14 2
(5/99)