| |
10Term |
15Term |
20Term® |
30Term |
| Issue Ages |
18-80* |
18-75* |
18-70* |
18-50* |
| Coverage Amount |
$100,000 or more |
|
| Level Premium Guarantee |
10 Years |
15 Years |
20 Years |
30 Years |
| Policy Charges |
Rates are based on the insured's age and health and are guaranteed for the entire term period. The younger and healthier the insured is, the lower the premium. Check the guidelines for Preferred Plus, Preferred Tobacco, Preferred Tobacco & Non Tobacco, and Select Non Tobacco rates. Standard and substandard rate classes are also available. Rates are banded at $500,000. |
| Policy Duration |
To age 100, without providing
new medical infomation. After 10 years, premiums will increase each year. |
To age 100, without providing
new medical infomation. After 15 years, premiums will increase each year. |
To age 100, without providing new medical infomation. After 20 years, premiums will increase each year. |
To age 100, without providing new medical infomation. After 30 years, premiums will increase each year. |
| Convertibility |
To permanent lifetime protection, without providing new medical information. Convertible until age 75. |
To permanent lifetime protection, without providing new medical information. Convertible until age 75. |
To permanent lifetime protection, without providing new medical information. Convertible until age 75. |
To permanent lifetime protection, without providing new medical information. Convertible until age 75. |
| Payment Methods |
You can pay your premiums annually, semi-annually, quarterly or with a monthly bank draft. |
|
| Riders |
Terminal Illness Rider, Children's Insurance Rider, Waiver of Premium Rider, Accidental Death Benefit Rider.
See Rider information on the right. |
| |
