Add Riders to Navigator Application

For the current products in Navigator, optional riders can only be added towards the end of the application process.

Riders must be added at the end of the application within Navigator because all required client information needs to be verified before the add-on coverage can be approved. You can find all rider information through the specific HQ carrier page documents.

These are the following riders available for the Navigator products:

American Amicable- Quility Secure Future Preferred (3 riders)- Charitable Giving, Confined Care, Terminal Illness

Banner Life- BeyondTerm (4 riders)- Charitable Giving Benefit, Critical Illness Accelerated Death Benefit, Chronic Illness Accelerated Death Benefit, Terminal Illness Accelerated Death Benefit

NOTE: (BeyondTerm policies with a substandard table rating are NOT eligible for the Critical and Chronic Illness riders but are eligible for the Terminal Illness rider)

F&G- Quantum IUL (4 riders)- Accelerated Benefit for Critical Illness, Accelerated Benefit for Chronic Illness, Accelerated Benefit for Terminal Illness, Overloan Protection Rider

SBLI- EasyTrak (6 riders)- Accelerated Death Benefit, Accidental Death Benefit, Charitable Giving, Child and Grandchild Level Term, Disability Waiver of Premium, Unemployment Waiver of Premium

UHL- Quility Secure Future Complete (8 unique riders)-

QSFC Express Issue Whole Life (6 riders)- Accidental Death Benefit, Charitable Giving, Common Carrier Accidental Death Benefit, Hospital Stay Waiver Of Premium, Identity Theft Waiver of Premium, Terminal Illness Accelerated Benefit

QSFC Express Issue Deluxe and Express Premier (4 riders)- Accidental Death Benefit, Charitable Giving, Child Rider, No-Cost Terminal Illness Accelerated Benefit

(Find more details on the carrier's HQ page)