In Section 2002.40(h), the language "except disability, waiver of premium and double indemnity benefits included in life insurance and annuity contracts" means except disability, waiver of premium and double indemnity benefits included in life insurance, endowment or annuity contracts or contracts supplemental thereto which contain only such provisions which:
Ill. Admin. Code tit. 50, pt. 2002, app A, ILLUSTRATION E