Product Highlights:

Issue Ages:

Insured: 18 through 85 (age last birthday)
Beneficiary: 0 through 85
Beneficiary: To age 80 with Premium Protector Rider

Monthly Benefits:

Monthly income for life of beneficiary
Monthly income for life of beneficiary with 10-year certain period

Specific Monthly Benefit Options:

Level Benefit Option
3 Percent Increasing Option - Monthly benefit payment increases on each policy anniversary date by 3 percent, commencing on the first anniversary date of the policy.
5 Percent Increasing Option - Monthly benefit payment increases by 5 percent annually beginning one year after the first monthly benefit payment to the beneficiary.

Premium Options*:

Additional Benefits:
(no premium charged)

Simultaneous Death Benefit
Accelerated First-Year Benefit Rider

Optional Benefits and Riders:
(additional premium)

Payment Modes:

Premium Protection Rider - If the beneficiary predeceases the insured, the paid premium will be returned to the policyowner in the form of a monthly benefit.

Special Term Plan - This one-year term insurance plan guarantees the policyowner the right to purchase an Assured Income Protector at a future date.

 Annual, semi-annual, quarterly, list bill, monthly automatic bank withdrawal and credit card (recurring only)

*After the second policy year, if premiums cannot be continued, a reduced benefit may be available.