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Product Highlights:

Issue Ages:

18 through 60 (age nearest birthday)

Occupational Classes:

4A, 3A, 2A, 1A

Maximum Issue Limits:

4A: $7,000 3A: $6,000 2A: $5,000 1A: $4,000 (Higher limits available for classes 4A and 3A subject to reinsurance availability.)

Elimination Periods:

60, 90, 180 and 365 days
(all ages, all classes)

Benefit Periods:

Classes 4A and 3A: 1-, 2- and 5-year,
and To-Age-65 (in Florida only)

Class 2A: 1-, 2- and 5-year,
and To-Age-65 (in Florida only), if —

Self-employed: under age 56 and working in AND owning the same business for the last two years with annual net income of at least $40,000 for each of the last two years, for each of the last two years, (provide last two years tax returns) OR—

W-2 Employee: under age 56, with annual gross income of at least $40,000 for each of the last two years, (provide last two years W-2s)

Class 1A: 1-, 2- and 5-year

Renewability:

Guaranteed renewable to age 65

Payment Modes:

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