policy that is “outlived” and kept the entire term, premiums are paid back

Series offers insurance through a stre
amlined underwriting process
that typically does not
require bodily fluid testing

This benefit allows owners not to pay their
insurance premium after the Primary Insured has become totally disabled for a period of at least 6
months. At an additional cost

$6.50

a rider that increases at the rate of 10% of initial
coverage per year for 10 years.

value of the policy increases

Series may offer insurance at a lower cost but has
more underwriting requirements,

This benefit allows owners not to pay their
insurance premium after the Spouse Insured has become permanently or totally disabled for a
period of at least 6 month

any
child or legally adopted child of the
Insured; any child for whom the Insured has been gran
ted legal guardianship; any grandchild or stepchild
of the Insured living with and dependent upon the Insured for support

This Benefit
becomes available when a primary insured or
insured spouse is diagnosed by a physician as having
a terminal illness and a life expectancy of six
months or less

premiums increase every year because the policy increases every year.

Series is designed for clients purchasi
ng lower face amounts and want the convenience of
Rapid Issue.

These riders provide an
automatic 10% increase in the face amount
coverage issued for 10 years

$25,000

applications on active duty military personnel stationed in the United States only

mostly used in the form of “mortgage insurance”

Series offers Preferred Plus
and Preferred coverage at $150,000 and above

This Benefit
becomes available when a primary insured or
insured spouse is diagnosed by a physician as having
a terminal illness and a life expectancy of six
months or less

guarantees insured children the ability
to obtain insurance once they become adults regardless of health
conditions at either the non-tobacco/non-nicotine or
tobacco/nicotine classifications

adding up the face amounts of all coverages of both the Primary Insured and Spouse Insured

premium stays level for the “term” (length) of the policy

Series is designed for client
s purchasing higher face amounts and do not prefer
the convenience of rapid issue

Owners may choose to pay an additional amount towards premiums to invest the difference

When an insured
child reaches age 25, a conversion can be made to any plan of insurance then offered in an amount up to

option after your term is over