| Accident 1st Day Coverage | OLI_DIRIDER_FDA | 103 |
| Accidental death and dismemberment | OLI_DIRIDER_ACCDTHDIS | 25 |
| Accidental Death Benefit | OLI_RIDER_ADB | 389 |
| Accidental Fracture | OLI_RIDER_ACCFRAC | 377 |
| Accident Disability Income | OLI_DIRIDER_ACCDIABILITYINC | 357 |
| Accident Extended Wait | OLI_DIRIDER_EA | 101 |
| Accident Injury | OLI_DIRIDER_ACCINJ | 48 |
| Accident Sickness Extended Wait | OLI_DIRIDER_EAS | 102 |
| Activities of Daily Living Income Benefit Rider | OLI_RIDER_ADL | 334 |
| Additional Cash Benefit | OLI_RIDER_ADDLCASHBEN | 373 |
| Additional Claim Benefit | OLI_DIRIDER_ADDLCLAIM | 90 |
| Additional Monthly Indemnity | OLI_DIRIDER_ADDLMNINDM | 53 |
| Administrative Rider | OLI_RIDER_ADMIN | 214 |
| Adult Foster Care | OLI_LTCRIDER_ADULTFOSTERCARE | 345 |
| Affiliation Discount | OLI_DIRIDER_AFFILIATION | 317 |
| Aggregate Increase Protection | OLI_DIRIDER_INCRPRO | 54 |
| AIDS - Conditional | OLI_DIRIDER_AIDSCOND | 80 |
| AIDS - Unconditional (full coverage, no conditions on contraction of illness). | OLI_DIRIDER_AIDSUNCOND | 81 |
| Alcoholism & Drug Addiction | OLI_DIRIDER_ALCOHOL | 46 |
| Alternate Plan of Care | OLI_LTCRIDER_ALTCARE | 348 |
| Ambulance Coverage | OLI_DIRIDER_AMBULANCE | 42 |
| Annual Enhanced Death Benefit | OLI_ANNRIDER_ANNENHDB | 201 |
| Assisted Living Care | OLI_LTCRIDER_ASSISTCARE | 339 |
| Assisted Living Room Charge | OLI_LTCRIDER_ASSISTLIVROOMCHG | 371 |
| Association Premium Discount | OLI_DIRIDER_ASSOCDISC | 94 |
| Automatic benefit increase | OLI_DIRIDER_AUTOBENEINC | 83 |
| Automatic Income Benefit | OLI_DIRIDER_AUTOINC | 11 |
| Automatic Increase Rider | OLI_RIDER_AIO | 332 |
| Basic Hospital | OLI_DIRIDER_BASICHOSPITAL | 358 |
| Bed Reservation | OLI_LTCRIDER_BEDRES | 340 |
| Benefit Period Enhancement Rider | OLI_LTCRIDER_BENPEREHANCE | 301 |
| Benefit update agreement | OLI_DIRIDER_BENEUPDATEAGMT | 84 |
| Blood Plasma and Transfusions | OLI_DIRIDER_BLOOD | 45 |
| Bonus | OLI_RIDER_BONUS | 212 |
| Calendar Day Rider | OLI_RIDER_CALENDARDAY | 375 |
| Cancellation | OLI_RIDER_CANCELLATION | 368 |
| Capital Account | OLI_DIRIDER_CAPACCT | 55 |
| Capital Preservation provides the most flexibility in how the benefit is to be received
by the contract owner since it does not force the owner to receive distributions, annuitize
the contract, or prevent full access to guarantee amount at the conclusion of the guarantee
period. It is revocable. | OLI_RIDER_SEF | 320 |
| Care Giver Reimbursement | OLI_LTCRIDER_CAREGIVE | 311 |
| Cash Benefit / Lump Sum Payout | OLI_DIRIDER_LUMPSUM | 65 |
| Catch-Up Rider | OLI_RIDER_CATCHUP | 378 |
| Commercial loss of time (includes franchise). | OLI_DIRIDER_COMMLOSS | 26 |
| Compassionate Leave Benefit | OLI_RIDER_COMPLVBENE | 386 |
| Convalescent Income | OLI_DIRIDER_CONVINC | 37 |
| Cost of Living, CPI Inflation Option | OLI_DIRIDER_COLCPI | 56 |
| Cost of Living, Guar | OLI_DIRIDER_GUARCOL | 57 |
| Cost of Living Adjustment Rider (COLA) | OLI_RIDER_COLA | 1 |
| Cost of Living - Compound | OLI_LTCRIDER_COL_COMP | 314 |
| Cost of Living - Simple | OLI_LTCRIDER_COL_SMPL | 315 |
| Critical Illness | OLI_DIRIDER_CRITILL | 392 |
| Day Care | OLI_LTCRIDER_DAYCARE | 344 |
| Death Benefit | OLI_RIDER_DB | 206 |
| Deductible buy down | OLI_DIRIDER_DCTBYDWN | 34 |
| Dental | OLI_DIRIDER_DENT | 15 |
| Dental Plus Orthodontia | OLI_DIRIDER_DENTALPLUSORTHO | 359 |
| Disability Buy-Out | OLI_DIRIDER_DISBUYOUT | 355 |
| Disability - Loan Protection | OLI_RIDER_DIMORTGAGE | 381 |
| Dread Disease | OLI_DIRIDER_DISEASE | 21 |
| Dread Disease and Impairment | OLI_DIRIDER_DREADDISIMPAIR | 360 |
| Earnings Max Rider | OLI_RIDER_EARNINGSMAX | 208 |
| Education Benefit | OLI_DIRIDER_EDUCBENE | 395 |
| Employer Premium Discount | OLI_DIRIDER_EMPDISC | 93 |
| Employment in firm | OLI_DIRIDER_EMPFIRM | 82 |
| Enhanced Earnings Benefit | OLI_RIDER_EEB | 205 |
| Exclusion | OLI_DIRIDER_EXCLU | 2 |
| Expense Coverage during Elimination Period | OLI_DIRIDER_EXPENSE | 388 |
| Extended Elimination Period | OLI_DIRIDER_EXTELIMPD | 104 |
| Extended Guarantee Period | OLI_RIDER_EXTGUARPER | 210 |
| Extra Hospital Miscellaneous Expenses | OLI_DIRIDER_EXTRAHOSP | 35 |
| Family Care Giver Reimbursement | OLI_LTCRIDER_FAMCARE | 310 |
| Family Care Rider | OLI_RIDER_FAMILYCARE | 364 |
| Family Income | OLI_DIRIDER_FAMINC | 58 |
| FIO (future income option) | OLI_DIRIDER_FIO | 3 |
| Fixed Income | OLI_DIRIDER_FIXINC | 59 |
| Foreign Travel Rider | OLI_RIDER_FOREIGNTRAVEL | 106 |
| Funeral expense | OLI_DIRIDER_FUNEXP | 89 |
| Future Increase Option | OLI_DIRIDER_INCROPT | 49 |
| GIR (Guaranteed Insurance Rider) | OLI_DIRIDER_GIR | 4 |
| GMI (Guaranteed Medical Insurance) | OLI_DIRIDER_GMI | 6 |
| GMR (Guaranteed Medical Rider) | OLI_DIRIDER_GMR | 5 |
| Guaranteed Min Accumulation Benefit By Maturity Dt | OLI_RIDER_GMAB | 338 |
| Guaranteed Minimum Accumulation Benefit By Years | OLI_RIDER_SECUREPRINCIPAL | 211 |
| Guaranteed Minimum Income Benefit (GMIB) | OLI_RIDER_GIB | 204 |
| Guaranteed Minimum Withdrawal Benefit (GMWB) | OLI_RIDER_GWB | 336 |
| Guaranteed Min Withdrawal for Life Benefit (GWLB) | OLI_RIDER_GWLB | 215 |
| Hardship Rider | OLI_RIDER_HARDSHIP | 326 |
| Health Insurance Rider | OLI_RIDER_HEALTH | 213 |
| Healthworker's Protection Rider | OLI_RIDER_HPR | 379 |
| High Limit Residential Care | OLI_RIDER_HIGHLIMITRESCARE | 370 |
| HIV Rider | OLI_RIDER_HIV | 380 |
| Homemaker | OLI_DIRIDER_HOME | 60 |
| Hospice Care | OLI_LTCRIDER_HOSPICECARE | 347 |
| Hospital/surgical | OLI_DIRIDER_HOSPSURG | 18 |
| Hospital Income | OLI_DIRIDER_HOSPINC | 61 |
| Hospital Indemnity | OLI_DIRIDER_HOSPINDEM | 8 |
| Income Protection | OLI_DIRIDER_INCPROT | 22 |
| Indemnity - Facility | OLI_LTCRIDER_INDEMFAC | 307 |
| Indemnity - Home and Community Based Care: $ Amt | OLI_LTCRIDER_INDEMHOME | 319 |
| Indemnity - Home and Community Based Care: Percentage of facility daily benefit | OLI_LTCRIDER_INDEMBOTH | 308 |
| Inflation Calculation Rider | OLI_RIDER_INFLATE | 329 |
| Installment Schedule | OLI_DIRIDER_INSTSCH | 62 |
| Intensive Care Unit | OLI_DIRIDER_ICU | 32 |
| Interest Rate Options | OLI_RIDER_INTRATEOPT | 217 |
| Lifestyle Protection Enhancer | OLI_DIRIDER_LIFESTYLE | 393 |
| Lifetime Accident | OLI_DIRIDER_LFACC | 63 |
| Lifetime Benefit Presumptive Disability | OLI_RIDER_PRESUMDIS | 382 |
| Lifetime Total Disability (known as Total and Permanent Disability in Australia) | OLI_DIRIDER_LFTOTDI | 64 |
| Living Benefit Rider | OLI_RIDER_LIVINGBENEFIT | 327 |
| Long term care | OLI_DIRIDER_LTC | 17 |
| Long Term Care and Community Based Care / Service | OLI_DIRIDER_HHLTH | 40 |
| Long Term Comprehensive Care | OLI_DIRIDER_COMPCARE | 303 |
| Long Term Facility Care / Service | OLI_DIRIDER_NURSE | 19 |
| Loss/Speech and Hearing | OLI_DIRIDER_LOSSSPEECH | 44 |
| Loyalty Discount | OLI_RIDER_LOYALTY | 362 |
| Marital Discount | OLI_RIDER_MARITAL | 372 |
| Maternity | OLI_DIRIDER_MATERN | 7 |
| Medical expense (coverage available for family members) | OLI_DIRIDER_MEDEXPFAM | 23 |
| Medical expense (insured only) | OLI_DIRIDER_MEDEXPINDIV | 24 |
| Medical Services and Supplies | OLI_DIRIDER_MEDSERV | 33 |
| Medical Surgical Expense | OLI_DIRIDER_MEDSURG | 30 |
| Medicare Extended | OLI_DIRIDER_MEDCAREEXT | 38 |
| Medicare Hospital Indemnity | OLI_DIRIDER_MEDHOSPIND | 50 |
| Medicare supplement | OLI_DIRIDER_MEDSUPP | 20 |
| Mental Illness | OLI_DIRIDER_METALILL | 47 |
| Miscellaneous Room & Board | OLI_DIRIDER_MISCRNB | 28 |
| Monthly Hospital Confinement | OLI_DIRIDER_HOSPCONF | 39 |
| Multiple Policy Discount | OLI_DIRIDER_MULTIDISC | 95 |
| Non-cancelable income disability | OLI_DIRIDER_INCDIS | 27 |
| Non-Disabling Injury | OLI_LTCRIDER_INJURY | 354 |
| Non-Forfeiture - LTC | OLI_RIDER_PAIDUP | 369 |
| Non-Forfeiture - Restoration Of Benefits | OLI_DIRIDER_NONFOR_LTD | 305 |
| Non-Occupation AMI | OLI_DIRIDER_NONOCCAMI | 66 |
| Non-professional Services | OLI_RIDER_NONPROFESSIONALSERVICE | 365 |
| Non-Smoker Discount Rider | OLI_RIDER_NONSMOKER | 105 |
| Occupational Therapy | OLI_LTCRIDER_OCCUPTHERAPY | 343 |
| Optional Residual Benefit | OLI_DIRIDER_RESBENE | 68 |
| Option to Purchase Additional Insurance Rider | OLI_RIDER_OPAI | 12 |
| Option to Purchase Residual Benefit | OLI_DIRIDER_OPRESBENE | 67 |
| Other | OLI_OTHER | 2147483647 |
| Overhead expense | OLI_DIRIDER_OVREXP | 88 |
| Overhead Expense - Illness Only | OLI_DIRIDER_OVREXPILL | 391 |
| Overhead Expense - Injury Only | OLI_DIRIDER_OVREXPINJ | 390 |
| Paid up Survivor Benefit | OLI_LTCRIDER_NONFOR_SURVIVE | 306 |
| Partial Disability | OLI_DIRIDER_PARTDI | 51 |
| Physical Therapy | OLI_LTCRIDER_PHYSTHERAPY | 341 |
| Physicians | OLI_DIRIDER_PHYSN | 13 |
| Premium Enhancement | OLI_RIDER_PE | 96 |
| Premium Rate Guarantee | OLI_RIDER_PREMRATEGUARANTEE | 363 |
| Pre-Pay Discount | OLI_DIRIDER_PREPAY | 309 |
| Prescription. | OLI_DIRIDER_PRESCRIPT | 16 |
| Pre-Selected Death Benefit Option | OLI_RIDER_DBPREOPT | 209 |
| Principal Sum | OLI_DIRIDER_PRICSUM | 70 |
| Private Duty Nursing | OLI_DIRIDER_DUTYNURS | 31 |
| Private Hospital Room | OLI_DIRIDER_PRIVHOSP | 43 |
| Private Nursing | OLI_DIRIDER_PRIVNURS | 29 |
| Purchase Payment Credit | OLI_RIDER_PURPAYCRT | 300 |
| Qualified Adult Discount | OLI_DIRIDER_QUALADLT | 321 |
| Red Elim Hosp Conf | OLI_DIRIDER_ELIMHOSP | 71 |
| Regular Occupation (still covered if you return to work but in different occupation). | OLI_DIRIDER_REGOCCUP | 86 |
| Rehabilitation | OLI_DIRIDER_REHAB | 350 |
| Replacement Expense | OLI_DIRIDER_REPLCEXP | 72 |
| Residual Disability | OLI_DIRIDER_RESDI | 73 |
| Residual Disability Benefit Rider | OLI_RIDER_PROPORT | 331 |
| Residual Long Term | OLI_DIRIDER_RESLTC | 74 |
| Residual Short Term | OLI_DIRIDER_RESSTC | 75 |
| Respite Care | OLI_LTCRIDER_RESPITCARE | 346 |
| Restoration of Benefits | OLI_LTCRIDER_RESTOREBEN | 312 |
| Restoration of Benefits | OLI_RIDER_RESTOREBENEFITS | 366 |
| Restoration of Benefits Rider | OLI_RIDER_RESTORE | 335 |
| Retirement Builder Benefit | OLI_RIDER_RETIREMENTBUILDER | 384 |
| Retirement Protection Rider | OLI_RIDER_RETIRE | 383 |
| Return of Premium | OLI_DIRIDER_NONFOR_LTF | 304 |
| Return of Premium / Non-Forfeiture - Full Death | OLI_DIRIDER_PREMREFUND | 69 |
| Return of Premium - Long Term Care | OLI_RIDER_ROPLTC | 367 |
| Return of Premium Term | OLI_RIDER_ROPT | 107 |
| Return to work (still covered if you return to work but not in same level position). | OLI_DIRIDER_RETTOWORK | 85 |
| Salary Replacement | OLI_DIRIDER_SALREP | 76 |
| Sale of Business Facilitation | OLI_DIRIDER_SALEBUS | 387 |
| Select Health Discount | OLI_DIRIDER_SELECTHEALTH | 318 |
| Select Occupation Premium Discount | OLI_DIRIDER_SELOCCDISC | 91 |
| Shared Benefit Rider | OLI_RIDER_SHARED | 328 |
| Sickness Disability Income | OLI_DIRIDER_DISABILITYINC | 356 |
| Small Business Discount | OLI_RIDER_SMALLBUS | 361 |
| Social Insurance Substitute Benefits Rider | OLI_RIDER_SSISUB | 333 |
| Social Insurance Supplement | OLI_DIRIDER_SOCINSSUP | 10 |
| Social Security Income | OLI_DIRIDER_SSINC | 77 |
| Soft Tissue Injury Rider | OLI_DIRIDER_SOFTTISSUE | 394 |
| Speech Therapy | OLI_LTCRIDER_SPEECHTHERAPY | 342 |
| Spousal Discount | OLI_DIRIDER_SPOUSAL | 316 |
| Spouse Security Benefit | OLI_RIDER_SPOUSESECURBEN | 376 |
| Supplemental Income | OLI_DIRIDER_SUPPINC | 78 |
| Surgical | OLI_DIRIDER_SURG | 9 |
| Surgical Transplant Donor | OLI_DIRIDER_TRANSPLANTDONOR | 353 |
| Surrender Charges | OLI_RIDER_CDS | 207 |
| Surrender Charge Waiver | OLI_ANNRIDER_SURRCHGWAIVER | 202 |
| Survivorship and Waiver of Premium Benefit | OLI_RIDER_SURVIVEWOP | 374 |
| Tax Liability Rider | OLI_RIDER_TAXLIABILITY | 385 |
| Tax Return Premium Discount | OLI_DIRIDER_TAXRETDISC | 92 |
| TD Your Occupation | OLI_DIRIDER_TDOCCUP | 79 |
| Terminal Illness Rider | OLI_RIDER_TIR | 203 |
| Unemployment Rider | OLI_RIDER_UNEMP | 302 |
| Unknown | OLI_UNKNOWN | 0 |
| Vision | OLI_DIRIDER_VISION | 14 |
| Waiver of Elimination Period (known as Waiver of Qualifying Period in Australia) | OLI_DIRIDER_WAIVELIM | 41 |
| Waiver of Monthly Deductions (WMD) | OLI_DIRIDER_WAIVERMTHCRG | 396 |
| Waiver of Premium Rider | OLI_RIDER_PREMWAIVE | 330 |
| Waiver of Premium - Spousal | OLI_LTCRIDER_WPSPOUSE | 313 |
| Waiver of premium upon disability | OLI_DIRIDER_WP | 87 |
| Well Child Care | OLI_DIRIDER_WELLCARE | 36 |
| Workmen's Compensation Offset | OLI_DIRIDER_WORKCOMP | 52 |