Each of these benefits can be purchased as riders to T80 life insurance certificates.

Accidental Death Benefit
If the Accidental Death Benefit is part of your insurance certificate and you die as the result of an accident, your beneficiaries will receive an amount of money in addition to the basic death benefit. Often, this benefit is set to pay double your death benefit.

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.