Optional Step One Benefits
When the young adult converts his or her Step One certificate to a permanent life insurance plan, he or she can include the following additional benefits without answering any health-related questions:

Guaranteed Purchase Option
If this benefit is part of your Modern Woodmen life insurance certificate, you can purchase additional insurance at specified later dates without taking medical exams or showing any proof of insurability.

Waiver of Premium Benefit
If you become totally disabled while the Waiver of Premium Benefit is part of your life insurance certificate, Modern Woodmen will pay your premium payments for the period of your disability or until the end of your premium-paying period, whichever comes first.