• Ideal for individuals looking to accumulate cash to supplement a retirement fund, create an education fund or prepare for financial emergencies
• Issue Ages: 0 – 85 (age last birthday)
• Face Amounts: $100,000 and up
• Underwriting Classes:
  • Preferred Plus (nontobacco)
  • Preferred (nontobacco, tobacco)
  • Standard Plus (nontobacco)
  • Standard (nontobacco, tobacco)
• Table Rates: Table 1 (A) to 16 (P)
• Surrender Charges: First 14 years
• Monthly Policy Fees:
  • Current = $5 (Guaranteed = $10)
  • Monthly charge per $1,000 of Specified Amount
  • Cost of Insurance for the current month
  • Cost of riders for the current month

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.

• Ideal for Individuals with a long-term death benefit need such as income replacement, wealth transfer or estate planning
• Issue Ages: 0 – 85 (age last birthday)
• Face Amounts: $100,000 and up
• Underwriting Classes:
  • Preferred Plus (nontobacco)
  • Preferred (nontobacco, tobacco)
  • Standard Plus (nontobacco)
  • Standard (nontobacco, tobacco)
• Table Rates: Table 1 (A) to 16 (P)
• Surrender Charges: First 14 years
• Monthly Policy Fees:
  • Current = $5 (Guaranteed = $10)
  • Monthly charge per $1,000 of Specified Amount
  • Cost of Insurance for the current month
  • Cost of riders for the current month

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.

• Issue Ages: 30 – 75 (age last birthday)
• Underwriting Classes:
  • Nontobacco Single
  • Tobacco Single
  • Nontobacco Couple
  • Tobacco Couple
• Specified Amount: $60,000 – $500,000
• Residual Death Benefit: 20% of Specified Amount
• LTC Benefits:
  • LTC Benefit Periods: 2, 3, 4, 5, 6 or 7 years
    (First 2 years of each benefit period are an acceleration of the Specified Amount)
  • LTC Elimination Period: 90-Calendar Days

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.

• Issue Ages: Single and joint 35 – 80
  Maximum 25-year age difference between unrated joint insureds
• Monthly Benefit Options: $1,500 – $15,000
• Benefit Period Options: 2, 3, 4, 5, or 8 years
• Elimination Period Options: 30, 90, or 180 (1=7)
• Built-In 5-year Rate Guarantee
• Premium Payment Options: Lifetime OR 10-Pay
• Inflation Options:
  • – 1% Compound
  • – 2% Compound
  • – 3% Compound
  • – 5% Compound
  • – No Inflation
  • – Flexible Increase Benefit
• Couples Discounts: 20% Both; 5% One Insured

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.

• Issue Ages: Single and joint 35 – 80
  Maximum 25-year age difference between unrated joint insureds
• Monthly Benefit Options: $1,500 – $15,000
• Benefit Period Options: 2, 3, 4, 5, or 8 years
• Elimination Period Options: 30, 90, or 180 (1=7)
• Built-In 5-year Rate Guarantee
• Premium Payment Options: Lifetime OR 10-Pay
• Inflation Options:
  • – 1% Compound
  • – 2% Compound
  • – 3% Compound
  • – 5% Compound
  • – No Inflation
  • – Flexible Increase Benefit
• Couples Discounts: 20% Both; 5% One Insured

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.