In order to be
eligible to exercise this rider, the insured must be at least 75 years old, the policy must have been in - force for at least 15 years, the Death Benefit Option must be Option A Level, the policy must be in corridor, and the outstanding loan balance must be the
smaller of 93 % of the policy value after monthly deductions or (100 % minus the OLPR
charge percentage) of the policy value after monthly deductions.